# EDGAR Filing Document

**Accession Number:** 0001257102
**File Stem:** 0001999371-26-013135
**Filing Date:** 2026-6
**Character Count:** 7487118
**Document Hash:** dbc9e881149eabba5815fef2d4525188
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-013135.hdr.sgml**: 20260618

**ACCESSION NUMBER**: 0001999371-26-013135

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

**PUBLIC DOCUMENT COUNT**: 19

**CONFORMED PERIOD OF REPORT**: 20260618

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

**FILED AS OF DATE**: 20260618

**DATE AS OF CHANGE**: 20260618

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CITIGROUP MORTGAGE LOAN TRUST INC
- **CENTRAL INDEX KEY:** 0001257102
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 010791848

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-00656
- **FILM NUMBER:** 261104016

**BUSINESS ADDRESS:**
- **STREET 1:** 388GREENWICH STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10013
- **BUSINESS PHONE:** 212-816-1273

**MAIL ADDRESS:**
- **STREET 1:** 388GREENWICH STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10013
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CITIGROUP MORTGAGE LOAN TRUST INC
- **CENTRAL INDEX KEY:** 0001257102
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 010791848

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

**BUSINESS ADDRESS:**
- **STREET 1:** 388GREENWICH STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10013
- **BUSINESS PHONE:** 212-816-1273

**MAIL ADDRESS:**
- **STREET 1:** 388GREENWICH STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10013
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CITIGROUP MORTGAGE LOAN TRUST INC
- **CENTRAL INDEX KEY:** 0001257102
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 010791848

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

**BUSINESS ADDRESS:**
- **STREET 1:** 388GREENWICH STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10013
- **BUSINESS PHONE:** 212-816-1273

**MAIL ADDRESS:**
- **STREET 1:** 388GREENWICH STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10013

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

**FORM ABS-15G<br> ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

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

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-l) for the reporting period

_____________ to _____________

Date of Report (Date of earliest event reported) ______________________

Commission File Number of securitizer: ______________________

<br> Central Index Key Number of securitizer: ______________________

------

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

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

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

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

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

Central Index Key Number of depositor: 0001257102

**Citigroup Mortgage Loan Trust 2026-1**

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

Central Index Key Number of issuing entity (if applicable): Not applicable

Central Index Key Number of underwriter (if applicable): Not applicable

Ryan O'Connor, Citigroup Mortgage Loan Trust Inc., (212) 816-1273<br> R.J. Carlson, Sidley Austin LLP, (212) 839-6730

Name and telephone number, including area code, of the person to

contact in connection with this filing.

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

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

**the Issuer**

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

**SIGNATURE**

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

Date: June 18, 2026

---

| | |
|:---|:---|
| CITIGROUP MORTGAGE LOAN TRUST INC.<br> (Depositor) | CITIGROUP MORTGAGE LOAN TRUST INC.<br> (Depositor) |
| By: | /s/ Michael Daniel |
|  | Name: Michael Daniel<br> Title: President |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

99.1 Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC

[Schedule 1 – Form ABS Due Diligence – 15E](ex99-1s1.htm)

[Schedule 2(a) – Non-Seasoned Credit Compliance Report I](ex99-1s2a.htm)

[Schedule 2(b) – Non-Seasoned Credit Compliance Report I](ex99-1s2b.htm)

[Schedule 2(c) – Non-Seasoned Credit Compliance Report I](ex99-1s2c.htm)

[Schedule 2(d) – Non-Seasoned Credit Compliance Report I](ex99-1s2d.htm)

[Schedule 2(e) – Non-Seasoned Credit Compliance Report I](ex99-1s2e.htm)

[Schedule 3(a) – Seasoned Credit Compliance Report I](ex99-1s3a.htm)

[Schedule 3(b) – Seasoned Credit Compliance Report I](ex99-1s3b.htm)

[Schedule 4 – Data Compare Report](ex99-1s4.htm)

[Schedule 5 – Pay History Report](ex99-1s5.htm)

[Schedule 6(a) – Servicing Comments Review](ex99-1s6a.htm)

[Schedule 6(b) – Servicing Comments Review](ex99-1s6b.htm)

[Schedule 7(a) – Title Report](ex99-1s7a.htm)

[Schedule 7(b) – Title Report](ex99-1s7b.htm)

[Schedule 8(a) – Compliance Report](ex99-1s8a.htm)

[Schedule 8(a) – Compliance Report](ex99-1s8b.htm)

## Exhibit 99.1

[CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G](cmlti-abs15g.htm)

**Exhibit 99.1 - Schedule 1**

![](ex991s1001.jpg)

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION**

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

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

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

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

Business Name (if Different):  

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

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

Legal Name: <u>Citigroup Global Markets, Inc. </u>

Business Name (If Different):  

Principal Business Address: <u>388 Greenwich Street, 6th Floor, New York, NY 10013</u>

**Item 3: Credit rating criteria** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |

---

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

See attached.

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

See attached.

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**CERTIFICATION**

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

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

(Print name of duly authorized person)

By: <u>Angelo Nyiri</u>

---

| | |
|:---|:---|
| Signature: | /s/ Angelo Nyiri |

---

Date: <u>June 18, 2026</u>

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![](ex991s1001.jpg)

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

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

AMC Diligence, LLC ("AMC") performed due diligence services as described below utilizing various scopes of review (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Citigroup Global Markets, Inc. ("Client"), in multiple transactions and were reviewed by AMC on behalf of the Client. The mortgage loans were reviewed via files imaged and provided to AMC by the Client, a Selling Party or their designees for review.

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

The Review was conducted on the portion of the securitization mortgage loan population reviewed by AMC. The Client may have utilized multiple third-party review ("TPR") firms for the securitization and AMC may or may not have reviewed all of the mortgage loans in the securitization loan population for a specific scope of review. During the course of the selection of the final securitization population mortgage loans may have been eliminated from originally envisioned securitization population for reasons that are unknown to AMC. Within the final securitization mortgage loan population, the Review sample was broken down into the following review scopes:

▪ "Compliance Review": 849 mortgage loans

▪ "Data Integrity Review": 849 mortgage loans

▪ "Collection Comment Review": 849 mortgage loans

▪ "Payment History Review": 849 mortgage loans

▪ "Title Review": 849 mortgage loans

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

The sample size of the Review was conducted consistent with the criteria for the NRSRO(s) identified in Item 3 of the Form ABS Due Diligence-15E.

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

**Data Integrity Review:** AMC performed a review utilizing information collected during the Review and comparing such information against the data tape. This comparison included 43 fields as listed below. Additional detail is contained in the Data Integrity Review Summary below.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;STADDRESS | &nbsp;&nbsp;MODIFIED | &nbsp;&nbsp;PERFLOOR |
| &nbsp;&nbsp;CITY | &nbsp;&nbsp;PRAREMAINING | &nbsp;&nbsp;LIFEMAXRT |
| &nbsp;&nbsp;STATE | &nbsp;&nbsp;MODDATE | &nbsp;&nbsp;LIFEMINRT |
| &nbsp;&nbsp;ZIP | &nbsp;&nbsp;MORIGBAL MOD1 | &nbsp;&nbsp;BALLOON |
| &nbsp;&nbsp;LNAME | &nbsp;&nbsp;DEFPRINBAL | &nbsp;&nbsp;IOFLAG |
| &nbsp;&nbsp;LOANPURP | &nbsp;&nbsp;FPDATE MOD1 | &nbsp;&nbsp;IOEXPDATE |
| &nbsp;&nbsp;SALESPRICE | &nbsp;&nbsp;MTDATE | &nbsp;&nbsp;STEP1RATE |
| &nbsp;&nbsp;APPVAL | &nbsp;&nbsp;ARMORFIX | &nbsp;&nbsp;STEP1RATEDATE |
| &nbsp;&nbsp;PROPTYPE | &nbsp;&nbsp;INDEXCD | &nbsp;&nbsp;STEP2RATE |
| &nbsp;&nbsp;ORIGDATE | &nbsp;&nbsp;MARGIN | &nbsp;&nbsp;STEP2RATEDATE |
| &nbsp;&nbsp;ORIGBAL | &nbsp;&nbsp;RFREQ | &nbsp;&nbsp;STEP3RATE |
| &nbsp;&nbsp;FPDATE | &nbsp;&nbsp;FPADATE | &nbsp;&nbsp;STEP3RATEDATE |
| &nbsp;&nbsp;ORIGRATE | &nbsp;&nbsp;FRADATE | &nbsp;&nbsp;STEP4RATE |
| &nbsp;&nbsp;ORIGPANDI | &nbsp;&nbsp;PERCAP | &nbsp;&nbsp;STEP4RATEDATE |
| &nbsp;&nbsp;INTTYPE |  |  |

---

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

AMC did not complete a credit review as part of the Review.

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

AMC did not complete a value review as part of the Review.

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

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

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

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014 (15 Mortgage Loans)</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

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

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

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

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

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

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014 (834 Mortgage Loans)</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by AMC. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 that the creditor provided the borrower a list of homeownership counseling organizations
 within three (3) business days of application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated loans, AMC reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

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

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

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

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

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

*Note*: for loans designated as QM – agency eligible, AMC will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

With regard to General Ability to Repay testing, the compliance review was performed with the following considerations with respect to guideline deviations. Note, the following considerations are limited to General ATR (Non-QM, ATR Risk, ATR Fail) evaluation and do not apply to Qualified Mortgage (QM) reviews.

● Compensating factors for Guideline Deficiencies – Compensating factors are not permitted to override, waive, or trump any of the 8 factors under 1026.43(c) that were not addressed by lender based on the documents in the loan file. Compensating factors may be considered in reducing the severity of guideline deficiencies in cases where the file contains evidence that the related ATR factor was addressed and considered, but did not have strict adherence to guideline requirements (e.g. Guidelines require 2 years tax returns and file contains 1 year tax returns).

○ Present but deficient documentation – To the extent there is a documentation deficiency, but file contains evidence that the ability to repay component was considered (e.g. Guidelines require signed and dated tax returns and file contains unsigned undated tax returns), an EV2-B level exception will be cited for the deficiency in the documentation against guidelines. On the contrary, if Guidelines require signed and dated tax returns and file does not contain any tax returns or transcripts, finding will be reported as an EV3-C and yield a QM/ATR loan designation of ATR Fail.

● Lender Policies Overlay – Lender policies that act as an overlay or clarification of their approach to underwriting beyond the guidelines are considered in the review to determine if loan documentation adheres to guidelines. No exception will be cited for guideline deviations that otherwise adhere to or meet requirements set forth in Lender Policies. Provided there are no other open EV3-C ability to repay findings, loans with guideline deviations with documentation that adheres to or meets requirements set forth in Lender Policies will yield a QM/ATR loan designation of Non-QM.

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

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

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

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

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

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

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

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**<u>COLLECTION COMENT REVIEW (849 loans)</u>:** AMC performed up to 36-month review utilizing individual mortgage loan collection comments provided by the servicer in order to provide a brief summary outlining current performance status, the borrower's ability to pay, relative future/current risk including (hardship, life changes, etc.), possible servicer remedies, loss mitigation efforts, and modifications.

**<u>PAYMENT HISTORY REVIEW (849 loans)</u>:** AMC performed up to 36-month review utilizing individual mortgage loan payment history reports provided by the servicer. Using the MBA methodology, AMC created a payment string using a 36 month look back for each mortgage loan within the payment history population.

**<u>TITLE REVIEW (849 loans)</u>:** SitusAMC was engaged to perform diligence on multiple pools of mortgage loans between January 2026 and March 2026. Property reports and images of recorded documents were provided by a title abstracting service provider selected by the engaging party ("Property Reports"). AMC gathered, analyzed, and reviewed the Property Reports to assess any title, vesting, or lien issues and provided the engaging party a detailed report of all relevant findings.

The scope of the diligence included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. <u>Chain of Title Review</u>: The deed chain was reviewed to identify:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Any
mortgages which were not executed by all parties on title at the time of origination/recordation to identify any potential concerns
related to mortgage enforceability or lien perfection.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Any
properties which were no longer owned at least in part by the subject mortgage borrower were reviewed to identify potential concerns
related to or arising from the current ownership status.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. <u>First Lien Position Review</u>: Lien and subject mortgage information was reviewed to identify:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Any
mortgages recorded prior to the subject mortgage. ("Prior Mortgages")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Any
other liens or judgments recorded prior to the subject mortgage. ("Prior Liens")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Any
junior liens recorded after the subject mortgage which have the potential to assert some form of lien priority over the subject
mortgage such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Municipal
 liens ("Municipal Liens")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Property
 tax liens/security agreements ("Property Tax Liens")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Federal/DOJ/IRS
 Tax liens ("Federal Tax Liens")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOA
 liens (including the identification of HOA super lien states) ("Super Position
 HOA Liens")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. <u>Prior Mortgage & Lien Validity Review:</u> For those items identified in B(a) and B(b), an additional level of review was completed
to determine if the item in question was then currently attached and/or enforceable against the subject property as a priority
lien, such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Regional
statutes/case law related to lien/mortgage enforcement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Debtor
Identity Verification (i.e. Commonality of Name)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Attachment
protections like Tenancy by the Entireties, Instantaneous Seisin, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Recorded
Satisfactions, Releases, Reconveyances, Cancellations, Subordination Agreements, etc. (whether shown on the Property Report or
independently located via online public records)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. <u>Title Policy Coverage Review:</u> For those items identified in Section B(a) and B(b) above which were not resolved in Section C above
and for those items identified in Section A(a) above, AMC reviewed the Lender's Title Policy ("Title Policy"),
when available, to determine whether AMC believed that damages resulting from the item in question could be indemnified by the
title insurer under the apparent terms and conditions of the Title Policy. The findings of this review are limited to the identification
of coverage exceptions which are explicitly itemized in the Title Policy and should not be construed as the equivalent to the
Insurers determination of coverage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. <u>Miscellaneous Item Review:</u> In instances where a miscellaneous item or exception is identified in the course of the itemized scope that is
not otherwise categorized above ("Miscellaneous Items"), that item is reviewed to confirm whether or not it is believed
to be a concern with respect to the enforceability of the subject mortgage or of material interest to the engaging party.

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**(9) Disclaimer.**

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

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

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

**COMPLIANCE RESULTS SUMMARY (849 mortgage Loans)**

Pursuant to the applicable NRSRO criteria, AMC graded certain compliance exceptions as non-material based upon seasoning of the mortgage loans. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than rescission, which is raised as a defense to foreclosure. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan.

**FOR APPLICATION DATES BEFORE JANUARY 10, 2014 (15 Mortgage Loans)**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall: NRSRO Grade (Fitch)** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;2 | &nbsp;&nbsp;13.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100.00%** |

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**FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014 (834 Mortgage Loans)**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall: NRSRO Grade (Fitch)** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;153 | &nbsp;&nbsp;18.35% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;662 | &nbsp;&nbsp;79.38% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;14 | &nbsp;&nbsp;1.68% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.60% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**834** | &nbsp;&nbsp;**100.00%** |

---

**REVIEW EXCEPTION SUMMARY (849 Mortgage Loans)**

The summaries below detail the exceptions from the Compliance Review that would have resulted in a "B", "C", or "D" grade for a given mortgage loan. Please note that exception grades of EV1, EV2, and EV3 may not result in a corresponding "B", "C", or "D" grade per relevant rating agency guidelines due to considerations including statute of limitations and specific characteristics of ratings by a given NRSRO. Also note that some mortgage loans may have multiple exceptions and, as a result, may have an exception or multiple exceptions in any one exception category.

**FOR APPLICATION DATES BEFORE JANUARY 10, 2014 SAMC (15 Mortgage Loans)**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Fitch Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;Missing, Incorrect, or Incomplete HUD-1 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;***Total Compliance Grade (D) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;31 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete GFE | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Safe Act | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final TIL | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;LTV Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***85*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**87** |

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**FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014 (834 Mortgage Loans)**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Fitch Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Note | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;***Total Compliance Grade (D) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;863 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;549 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;300 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;178 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;98 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;27 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Other TILA Violations | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete GFE | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TIL-MDIA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Flood | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***2553*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**2554** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Disclosure | &nbsp;&nbsp;213 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;127 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Data Verification | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;1003 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Legal / Regulatory / Compliance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Note | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Document Error | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***723*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**723** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;D | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;D | &nbsp;&nbsp;***Total Property Grade (D) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Property Grade (C) Exceptions:*** | &nbsp;&nbsp;***14*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***7*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**25** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**3302** |

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**DATA INTEGRITY REVIEW SUMMARY (849 Mortgage Loans)**

The Data Integrity Review was completed to compare information collected by AMC during the course of the review on loans reviewed by AMC for compliance versus the provided data tape. In total, AMC identified 43 fields that were compared across various loans in the population. Some of the comparison fields are conditional based on loan characteristics (ex. ARM vs. Fixed); however, AMC, in the counts below, has included in the total comparison population all loans in the securitization population regardless of whether such data field may have been applicable for the loan in questions such that a N/A is equivalent to not exhibiting a variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;STADDRESS | &nbsp;&nbsp;170 | &nbsp;&nbsp;849 | &nbsp;&nbsp;20.02% |
| &nbsp;&nbsp;CITY | &nbsp;&nbsp;2 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;STATE | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ZIP | &nbsp;&nbsp;1 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;LNAME | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;LOANPURP | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;SALESPRICE | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;APPVAL | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;PROPTYPE | &nbsp;&nbsp;1 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;ORIGDATE | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ORIGBAL | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;FPDATE | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ORIGRATE | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ORIGPANDI | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;MODIFIED | &nbsp;&nbsp;13 | &nbsp;&nbsp;849 | &nbsp;&nbsp;1.53% |
| &nbsp;&nbsp;PRAREMAINING | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;MODDATE | &nbsp;&nbsp;8 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.94% |
| &nbsp;&nbsp;MORIGBAL MOD1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;849 | &nbsp;&nbsp;1.18% |
| &nbsp;&nbsp;DEFPRINBAL | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;FPDATE MOD1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;849 | &nbsp;&nbsp;1.18% |
| &nbsp;&nbsp;MTDATE | &nbsp;&nbsp;6 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.71% |
| &nbsp;&nbsp;ARMORFIX | &nbsp;&nbsp;24 | &nbsp;&nbsp;849 | &nbsp;&nbsp;2.83% |
| &nbsp;&nbsp;INDEXCD | &nbsp;&nbsp;4 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.47% |
| &nbsp;&nbsp;MARGIN | &nbsp;&nbsp;19 | &nbsp;&nbsp;849 | &nbsp;&nbsp;2.24% |
| &nbsp;&nbsp;RFREQ | &nbsp;&nbsp;19 | &nbsp;&nbsp;849 | &nbsp;&nbsp;2.24% |
| &nbsp;&nbsp;FPADATE | &nbsp;&nbsp;19 | &nbsp;&nbsp;849 | &nbsp;&nbsp;2.24% |
| &nbsp;&nbsp;FRADATE | &nbsp;&nbsp;19 | &nbsp;&nbsp;849 | &nbsp;&nbsp;2.24% |
| &nbsp;&nbsp;PERCAP | &nbsp;&nbsp;19 | &nbsp;&nbsp;849 | &nbsp;&nbsp;2.24% |
| &nbsp;&nbsp;PERFLOOR | &nbsp;&nbsp;19 | &nbsp;&nbsp;849 | &nbsp;&nbsp;2.24% |
| &nbsp;&nbsp;LIFEMAXRT | &nbsp;&nbsp;19 | &nbsp;&nbsp;849 | &nbsp;&nbsp;2.24% |
| &nbsp;&nbsp;LIFEMINRT | &nbsp;&nbsp;19 | &nbsp;&nbsp;849 | &nbsp;&nbsp;2.24% |
| &nbsp;&nbsp;BALLOON | &nbsp;&nbsp;1 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;IOFLAG | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;IOEXPDATE | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;STEP1RATE | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;STEP1RATEDATE | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;STEP2RATE | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;STEP2RATEDATE | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;STEP3RATE | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;STEP3RATEDATE | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;STEP4RATE | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;STEP4RATEDATE | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;INTTYPE | &nbsp;&nbsp;0 | &nbsp;&nbsp;849 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**402** | &nbsp;&nbsp;**36507** | &nbsp;&nbsp;**1.10%** |

---

13 \| P a g e

![](ex991s1001.jpg)

**COLLECTION COMMENT REVIEW SUMMARY (849 Mortgage Loans)**

AMC reviewed a total of 849 mortgage loans. In total 427 mortgage loans (50.29% by number), carried an EV3 exception. The exception detail is in the EV3 Exceptions – By Loan Count table below.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Comment Review Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;3 | &nbsp;&nbsp;427 | &nbsp;&nbsp;50.29% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;421 | &nbsp;&nbsp;49.59% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**849** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Grade** | &nbsp;&nbsp;**Exception** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Current | &nbsp;&nbsp;3 | &nbsp;&nbsp;Collection Comments - Incomplete - | &nbsp;&nbsp;426 |
| &nbsp;&nbsp;Current | &nbsp;&nbsp;3 | &nbsp;&nbsp;Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Current | &nbsp;&nbsp;3 | &nbsp;&nbsp;***Total Current Grade (3) Exceptions:*** | &nbsp;&nbsp;***427*** |

---

**PAYMENT HISTORY REVIEW SUMMARY (849 Mortgage Loans)**

822 (96.82%) of the 849 Mortgage loans subjected to the Payment History Review had complete pay history strings. In total, 3 mortgage loans (0.35%) showed at last one delinquency within the look back period. As of the 2/28/2026 cutoff date, all 849 mortgage loans (100.00%) mortgage loans were current. Some "% of Loans" may not add to 100% due to rounding.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Category** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;No Delinquency, No Missing Data | &nbsp;&nbsp;819 | &nbsp;&nbsp;96.47% |
| &nbsp;&nbsp;Delinquency, No Missing Data | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;No Delinquency, At Least One Month Missing | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.18% |
| &nbsp;&nbsp;Delinquency, At Least One Month Missing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**849** | &nbsp;&nbsp;**100.00%** |

---

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![](ex991s1001.jpg)

**Title Review**

As requested by the Client, a title review was included in SitusAMC's scope of review. To facilitate this review, the Client provided SitusAMC with identifying data on the population of mortgage loans. Data provided by the client, included mortgage loan and servicer identification numbers as well as subject property address, borrower names, origination date, original mortgage loan amount for the subject mortgage and title policies from origination as it relates to the subject mortgage. Using the data provided, SitusAMC ordered a current owner's title search on these mortgage loans through a service provider. Upon receipt and review of the current owner's title search results, SitusAMC identified whether or not the subject mortgage was of record, whether any deed vesting concerns of substance were present, and whether the title search report revealed any liens and/or judgments which could affect the seniority of the subject mortgage, including potentially superior post origination liens and/or judgments such as Property Tax Liens, Municipal Liens, and Association Super Liens. SitusAMC reviewed the title policies for all liens and/or judgments that were recorded before the recordation of the subject mortgage to determine if any identifiable liens and/or judgments were listed as an exception on schedule B of the applicable title policies.

**SitusAMC TITLE REVIEW SUMMARY (849 Mortgage Loans)**

As part of the due diligence services, the Client provided SitusAMC with identifying data on 849 mortgage loans. Based on the scope of review set forth herein, the critical findings are summarized as follows:

● Except with respect to 90 mortgage loan files, there are no potential issues concerning origination deed vesting. With respect to the 90 mortgage loan files, 89 of the mortgage loan files contain a Title Policy on which there are no stated exceptions which explicitly preclude coverage, and 1 mortgage loan file contained insufficient title evidence.

● No unresolved Super Position HOA Liens recorded after the subject mortgage which were entitled to limited or full lien priority over the subject mortgage were identified.

● Except with respect to 1 Municipal Lien across 1 mortgage loan file, no unresolved Municipal Liens which had limited or full lien priority over the subject mortgage were located.

● Except with respect to 1 Property Tax Lien across 1 mortgage loan file, no unresolved Property Tax Liens which had limited or full lien priority over the subject mortgage were located.

● Except with respect to 8 Prior Liens across 7 mortgage loan files which were recorded prior to the subject mortgage, all Prior Liens identified in our review have been resolved. With respect to the 8 Prior Liens across 7 mortgage loan files, all 8 Prior Liens were determined to be mitigated as the mortgage loan files contain a Title Policy on which there are no stated exceptions which explicitly preclude coverage.

● Except with respect to 20 Prior Mortgages across 19 mortgage loan files which were recorded prior to the subject mortgage, all Prior Mortgages identified in our review have been resolved. With respect to the 20 Prior Mortgages across 19 mortgage loan files, all 20 Prior Mortgages were determined to be mitigated as the mortgage loan files contain a Title Policy on which there are no stated exceptions which explicitly preclude coverage.

● As to any Miscellaneous Items of substance, the items in this category typically defy standard categorization or summarization and are individually detailed.

**ADDITIONAL SUMMARY**

The summary information below represents data collected during the AMC Compliance Reviews. Some "% of Loans" may not add to 100% due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;408 | &nbsp;&nbsp;48.06% | &nbsp;&nbsp;$125233293.00 | &nbsp;&nbsp;34.32% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;441 | &nbsp;&nbsp;51.94% | &nbsp;&nbsp;$239692709.00 | &nbsp;&nbsp;65.68% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**849** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$364926002.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;849 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$364926002.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**849** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$364926002.00** | &nbsp;&nbsp;**100.00%** |

---

15 \| P a g e

![](ex991s1001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.35% | &nbsp;&nbsp;$718850.00 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.35% | &nbsp;&nbsp;$4923800.00 | &nbsp;&nbsp;1.35% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;123 | &nbsp;&nbsp;14.49% | &nbsp;&nbsp;$56858310.00 | &nbsp;&nbsp;15.58% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;123 | &nbsp;&nbsp;14.49% | &nbsp;&nbsp;$35683076.00 | &nbsp;&nbsp;9.78% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;278 | &nbsp;&nbsp;32.74% | &nbsp;&nbsp;$132472026.00 | &nbsp;&nbsp;36.30% |
| &nbsp;&nbsp;Rate/Term Refinance - Lender Initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$225000.00 | &nbsp;&nbsp;0.06% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;294 | &nbsp;&nbsp;34.63% | &nbsp;&nbsp;$118781507.00 | &nbsp;&nbsp;32.55% |
| &nbsp;&nbsp;Construction to Permanent | &nbsp;&nbsp;22 | &nbsp;&nbsp;2.59% | &nbsp;&nbsp;$14812933.00 | &nbsp;&nbsp;4.06% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.24% | &nbsp;&nbsp;$450500.00 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**849** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$364926002.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;0-120 Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.47% | &nbsp;&nbsp;$1106461.00 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;193 | &nbsp;&nbsp;22.73% | &nbsp;&nbsp;$47671760.00 | &nbsp;&nbsp;13.06% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.47% | &nbsp;&nbsp;$567000.00 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;648 | &nbsp;&nbsp;76.33% | &nbsp;&nbsp;$315580781.00 | &nbsp;&nbsp;86.48% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Unknown | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**849** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$364926002.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;542 | &nbsp;&nbsp;63.84% | &nbsp;&nbsp;$232922283.00 | &nbsp;&nbsp;63.83% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;112 | &nbsp;&nbsp;13.19% | &nbsp;&nbsp;$44798725.00 | &nbsp;&nbsp;12.28% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;15 | &nbsp;&nbsp;1.77% | &nbsp;&nbsp;$8288550.00 | &nbsp;&nbsp;2.27% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;166 | &nbsp;&nbsp;19.55% | &nbsp;&nbsp;$75071394.00 | &nbsp;&nbsp;20.57% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$697000.00 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;Single-wide Manufactured Housing | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.47% | &nbsp;&nbsp;$365800.00 | &nbsp;&nbsp;0.10% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.24% | &nbsp;&nbsp;$946000.00 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.35% | &nbsp;&nbsp;$700750.00 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$285000.00 | &nbsp;&nbsp;0.08% |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$400000.00 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.24% | &nbsp;&nbsp;$450500.00 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**849** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$364926002.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;779 | &nbsp;&nbsp;91.76% | &nbsp;&nbsp;$333399955.00 | &nbsp;&nbsp;91.36% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;16 | &nbsp;&nbsp;1.88% | &nbsp;&nbsp;$3515388.00 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;52 | &nbsp;&nbsp;6.12% | &nbsp;&nbsp;$27560159.00 | &nbsp;&nbsp;7.55% |
| &nbsp;&nbsp;Unknown | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.24% | &nbsp;&nbsp;$450500.00 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**849** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$364926002.00** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

## Exhibit 99.1

[CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G](cmlti-abs15g.htm)

**Exhibit 99.1 - Schedule 2(a)**

![](situsamc-logo.jpg)

**Loan Level Exception - Final Grades (Loan Grades)**

**Run Date - 6/4/2026 4:26:58 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Edgar ID** | **Borrower Name** | **Deal Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 2** |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10046 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing.: Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Lender exception approval is to allow lot size of XX Acres.<br> Homeowners insurance policy has an effective date of XX/XX/XXXX and started after the loan funded on XX/XX/XXXX. | REVIEWER - WAIVED COMMENT (2026-03-15): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (2026-05-21): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/XX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (Final/XX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (Final/XX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129800)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - XXXX XXXX Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 17,545.00 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (Final/XX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Construction Loan Inspection. Fee Amount of $300.00 exceeds tolerance of $0.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower. (7776)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $97.40 exceeds tolerance of $67.00. $30.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Construction Loan Inspection. Fee amount of $300.00 exceeds tolerance of $0.00. $300.00 over legal limit. Insufficient cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee amount of $97.40 exceeds tolerance of $67.00. $30.40 over legal limit. Insufficient cure was provided to the borrower. |  | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - XXXX XXXX Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |

---

## Exhibit 99.1

[CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G](cmlti-abs15g.htm)

**Exhibit 99.1 - Schedule 2(b)**

![](situsamc-logo.jpg)

**Exception Grades**

**Run Date - 6/4/2026 4:26:58 PM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Edgar ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Edgar ID** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10046 | XXXX | XXXX | XXXX | Credit | Credit |  | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval is to allow lot size of XX Acres. | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC,Originator | Reviewer Comment (2026-03-15): Client elects to downgrade and waive. |  |  | 03/15/2026 | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10046 | XXXX | XXXX | XXXX | Compliance | Compliance |  | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (Final/XX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10046 | XXXX | XXXX | XXXX | Compliance | Compliance |  | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (Final/XX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10046 | XXXX | XXXX | XXXX | Compliance | Compliance |  | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 17,545.00 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (Final/XX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10046 | XXXX | XXXX | XXXX | Compliance | Compliance |  | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/XX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10046 | XXXX | XXXX | XXXX | Compliance | Compliance |  | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129800) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10046 | XXXX | XXXX | XXXX | Compliance | Compliance |  | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $97.40 exceeds tolerance of $67.00. $30.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee amount of $97.40 exceeds tolerance of $67.00. $30.40 over legal limit. Insufficient cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10046 | XXXX | XXXX | XXXX | Compliance | Compliance |  | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Construction Loan Inspection. Fee Amount of $300.00 exceeds tolerance of $0.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower. (7776) | Zero Percent Fee Tolerance exceeded for Construction Loan Inspection. Fee amount of $300.00 exceeds tolerance of $0.00. $300.00 over legal limit. Insufficient cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10046 | XXXX | XXXX | XXXX | Credit | Hazard Insurance |  | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Homeowners insurance policy has an effective date of XX/XX/XXXX and started after the loan funded on XX/XX/XXXX. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-05-21): Comp factors used to waive exception |  |  | 05/21/2026 | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

## Exhibit 99.1

[CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G](cmlti-abs15g.htm)

**Exhibit 99.1 - Schedule 2(c)**

![](situsamc-logo.jpg)

**Valuation Report**

**Run Date - 6/4/2026 4:26:58 PM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Edgar ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10046 | XX/XX/XXXX | $XXXX |  | $XXXX |  | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | ($54670.00) | -3.130% | XX/XX/XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.00 |

---

## Exhibit 99.1

[CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G](cmlti-abs15g.htm)

**Exhibit 99.1 - Schedule 2(d)**

![](situsamc-logo.jpg)

**Supplemental Data**

**Run Date - 6/4/2026 4:26:58 PM** 

---

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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Edgar ID** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **Default Interest Rate** | **Default Interest Accrual Start Days** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** | **Amortization Term Less IO** |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10046 | Safe Harbor QM (APOR) |  |  | XX/XX/XXXX | Yes | No | XXXX | XXXX | XX/XX/XXXX | 6.303% | $XXXX | $XXXX | XX% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $XXXX | 1 | $XXXX | $XXXX | $XXXX | $XXXX |  |  |  |  |  | XX% | XX% | XX% | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - XXXX \| Primary Income - Wages]; VVOE - 2023<br> [Borrower - XXXX \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - XXXX \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | XXX | XXXX | $3295.00 | XX/XX/XXXX | 6.910% | $0.00 | 4 |  |  |  | No | No | 9.875% | 1 | 0 | 2 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | XX/XX/XXXX | $XXXX |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 40.9 |  | Yes | No |  |  | XXXX | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |

---

## Exhibit 99.1

[CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G](cmlti-abs15g.htm)

**Exhibit 99.1 - Schedule 2(e)**

![](situsamc-logo.jpg)

**Citi Supplemental**

**Run Date - 6/4/2026 4:26:58 PM**

---

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| **AMC Loan ID** | **LSMID** | **Seller Loan ID** | **Edgar ID** | **First Rate Adjustment Date (ARMs)** | **First Payment Adjustment Date (ARMs)** | **Payment Adjustment Frequency In Months (ARMs)** | **Maturity Date** | **Original Principal And Interest Payment** | **QM DTI** | **Non QM DTI** | **DTI** | **Second Appraisal Value** | **Second Appraisal Date** | **Second Appraisal Type** | **Collateral Underwriter Risk Score** | **Borrower Employment Flag** | **Co-Borrower Employment Flag** | **Borrower Citizenship Flag** | **Co-Borrower Citizenship Flag** | **Personal Tax Return Flag** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **W2 Flag** | **W2 Months** | **Months of Profit and Loss Statements** | **P&L Type** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Discharge Date** | **Most Recent Foreclosure Date** | **Most Recent Short-Sale Date** | **Most Recent Deed-In-Lieu Date** | **Guideline Name** | **Paystub Indicator** | **Paystubs (#)** | **WVOE (Months)** | **Social Security Letter (Months)** | **DSCR** | **CPA Letter Months Of Income** | **P&L_CPA Letter/Months Of Bank Statement** | **Rental Income/Lease Agreement Months** | **VVOE Indicator** | **1040 Transcript Years** | **W2 Transcript Years** | **Application Date** | **Prior Mortgage/Rent Late 30d in 12m** | **Prior Mortgage/Rent Late 60d in 12m** | **Prior Mortgage/Rent Late 90d in 12m** | **TILA Status** | **Loan Program** | **HOA Monthly Premium Amount** | **Qualifying P&I** | **Residual Income** | **Total Assets** | **Warrantable Condo** | **Originator** | **Due Diligence Loan Designation** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **Appraiser Company** | **Appraiser Name** | **Lease in Place Flag** | **In-Place Rent** | **Market Rent** | **Cash-Out Amount** | **Liquid Cash Reserves** | **Months Reserves** | **Channel** | **Property Sqft** | **Prepayment Term** | **Prepayment Description** | **Short Term Rental Flag** | **Most Recent Primary Borrower FICO** | **Most Recent Co Borrower FICO** | **Most Recent Borrower 3 FICO** | **Most Recent Borrower 4 FICO** | **Borrower 1 Foreign National Flag** | **Borrower 2 Foreign National Flag** | **Borrower 3 Foreign National Flag** | **Borrower 4 Foreign National Flag** |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10046 N | XX/XX/XXXX | XX/XX/XXXX | 6 | XX/XX/XXXX | XXXX | 0.40 | 0.33 | 0.40 | XXXX | XX/XX/XXXX | XXXX | 4 N | Employment | Not Employed | US Citizen | US Citizen N | Y | 2 N | 0 | Y | 12 | 0.00 |  | 0 | 0 N |  |  |  |  |  |  | XXXX N | Y | 4 N | 0 N | 0 N | N | 0 | 0 N | 0 | Y N | 0 N | 0 | XX/XX/XXXX | 0 | 0 | 0 | Safe Harbor QM (APOR) | XXXX B | A | XXXX | XXXX | XXXX |  | XXXX | Safe Harbor QM (APOR) | No |  |  | XXXX | XXXX |  |  |  | 0.00 | XXXX |  | Retail | 3298 |  |  | N | XXX | XXX |  | N | US Citizen | US Citizen |  |  |

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## Exhibit 99.1

[CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G](cmlti-abs15g.htm)

**Exhibit 99.1 - Schedule 3(a)**

![](situsamc-logo.jpg)

**Loan Level Exception - Final Grades (Loan Grades)** 

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Edgar Id** | **Borrower Name** | **Deal Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 2** |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10744 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Income Eligibility - Borrower has un-audited YTD P&L and does not have 2 months Account statements. (GSE COVID-19): Borrower: XXXX // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: XX/XX/XXXX<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Document Error - Missing verification of the existance of self-employed business within 20 days of the Note Date (COVID-19).: Borrower: XXXX // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: XX/XX/XXXX Application Date: XX/XX/XXXX;<br> [2] Document Error - YTD P&L Statement was not signed and/or dated by Borrower. (GSE COVID-19): Borrower: XXXX // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: XX/XX/XXXX // Document: P&L Statement / Document Date: XX/XX/XXXX / Tax Year: | Waterfall due to File is missing a reliable Third-party verification of the Co-Borrowers sole proprietorship business XXXX.<br> File is missing a reliable Third-party verification of the Co-Borrowers sole proprietorship business XXXX.<br> File is missing a reliable Third-party verification of the Co-Borrowers sole proprietorship business XXXX.<br> Waterfall due to File is missing a reliable Third-party verification of the Co-Borrowers sole proprietorship business XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED 3RD PARTY BUSINESS LOOKUP FOR SCH C INCOME<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please re-upload image not provided for Third-party VOE.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): reuploaded in prior exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Yelp printout provided doesn't include information needed such as borrower's self-employment start date and duration<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): a 3rd party voe doesn't have to show dates of employment...you have tax returns that prove income for this business for 2 years. the 3rd party voe is confirming the business is still active.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Third party verification missing in order to confirm self employment start date and duration<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED 3RD PARTY BUSINESS LOOKUP FOR SCH C INCOME<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please re-upload image not provided for Third-party VOE.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): reuploaded in prior exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Yelp printout provided doesn't include information needed such as borrower's self-employment start date and duration<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): a 3rd party voe doesn't have to show dates of employment...you have tax returns that prove income for this business for 2 years. the 3rd party voe is confirming the business is still active.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Third party verification missing in order to confirm self employment start date and duration<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED 3RD PARTY BUSINESS LOOKUP FOR SCH C INCOME<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please re-upload image not provided for Third-party VOE.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached 3rd party voe<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Yelp printout provided doesn't include information needed such as borrower's self-employment start date and duration<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): a 3rd party voe doesn't have to show dates of employment...you have tax returns that prove income for this business for 2 years. the 3rd party voe is confirming the business is still active.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Due to missing third party verification unable to verify start date and duration.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED 3RD PARTY BUSINESS LOOKUP FOR SCH C INCOME<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please re-upload image not provided for Third-party VOE.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): reuploaded in prior exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Yelp printout provided doesn't include information needed such as borrower's self-employment start date and duration<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): a 3rd party voe doesn't have to show dates of employment...you have tax returns that prove income for this business for 2 years. the 3rd party voe is confirming the business is still active.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Third party verification missing in order to confirm self employment start date and duration<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $450.00 exceeds tolerance of $375.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Maximum Loan Amount discrepancy.: Note loan amount of $XXXX is greater than Guideline maximum loan amount of $XXXX.00. | Note loan amount of $XXXX is greater than Guideline maximum loan amount of $XXXX.00. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached exception approval<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [3] Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan. (Final/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (Final/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment Period: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XXXX disclosed an inaccurate Interest Only Payments Period. (Final/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Loan Term: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXX disclosed a Loan Term that does not match the actual loan term for the loan. (Final/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (Final/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (Final/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (Final/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3146177)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3146176)<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,500.00 exceeds tolerance of $875.00. $625.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,343.75 exceeds tolerance of $4,125.00. $1,218.75 over legal limit. Insufficient or no cure was provided to the borrower. (7200)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX)<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Timing: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: Adjustable-Interest Rate Table validated from Final Closing Disclosure provided on XX/XX/XXXX<br> Federal Compliance - TRID Final Closing Disclosure AP Table First Change Test: Adjustable Payment Table validated from Final Closing Disclosure provided on XX/XX/XXXX<br> Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment Period: Adjustable Payment Table validated from Final Closing Disclosure provided on XX/XX/XXXX disclosed<br> Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: Adjustable Payment Table validated Final Closing Disclosure provided on XX/XX/XXXX<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Validated Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period<br> Federal Compliance - TRID Final Closing Disclosure Loan Term: inal Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: inal Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee was last disclosed as $875.00 on the Loan Estimate but was disclosed as $1,500.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $625.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points. Was last disclosed as $4,125.00 on the Loan Estimate but was disclosed as $5,343.75 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $1,218.75, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification of the borrower's receipt of the appraisal was missing from the file.<br> State Compliance - Michigan CMPA Home Loan Toolkit Timing: Home Loan Toolkit not provided to borrower within three (3) business days of application.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on attestation provided. | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table First Change Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment Period: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Loan Term: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10001 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX<br> [2] Appraisal Reconciliation - Appraisal is required to be in name of Lender: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | The lender listed on the appraisal is XXXX rather than actual lender XXXX and no appraisal transfer letter was provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached final inspection<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A final inspection/442 must be completed by an appraiser. | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 61,609.02 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Status: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on attestation provided. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B C |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10002 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Maximum Loan Amount discrepancy.: Note loan amount of $XXXX is greater than Guideline maximum loan amount of $2,000,000.00. | Per approval, the loan amount is $XXXX, which exceeded the guideline. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached approved exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): This document lists underwriting signing authority per loan amount sizes, it is not addressing the breach to guidelines or listing the compensating factors to do so.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender - The DD form was used to sign off on the Loan Amount. All members of Consumer Loan Committee had to sign off on this loan due to the loan amount. Resending to address.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Guidelines allow maximum loan amount of $2,000,000.00. Please provide compensating factors to downgrade and waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): COMPENSATING FACTORS - EXCELLENT OVERALL CREDIT WITH ONLY 1 DELQ THAT WAS SEASONED CLOSE TO 5 YEARS AT TIME OF ORIGINATION. CLEAN MORTGAGE PAY HISTORY WITH OVER 100 MONTHS REVIEWED. LARGE DOWN PAYMENT WITH LOW 45% LTV AND GOOD RESERVES AFTER CLOSING - $2MM.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender Exception with Compensating Factors provided. Downgraded and Waived. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether property taxes are included in escrow. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: Only flood insurance is included in escrow on the final Closing Disclosure.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Restated<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.<br> Federal Compliance - (Missing Data) Last Rate Set Date: Rate lock document was missing from the file. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on attestation provided. | Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10003 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,150.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Fee was last disclosed as $1000.00 on LE but disclosed as $1500.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on attestation provided.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10004 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 2 | [2] Loan File - Missing Document: Hazard Insurance Policy not provided<br> [2] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing.: Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX<br> [2] General - The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio.: Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | Note date is XX/XX/XXXX and effective HOI date is XX/XX/XXXX.<br> Lender DTI: XX% is higher than calculated DTI: XX%. The discrepancy is due AMR loan and 18 months I/O. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached hoi<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Insurance doc shows effective date XX/XX/XXXX, however Note date is XX/XX/XXXX.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129679)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 44,671.00 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.<br> [3] Federal Compliance - TRID Post Close Closing Disclosure Timing Irregular Transactions: TILA-RESPA Integrated Disclosure – Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure.<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $300.00 exceeds tolerance of $0.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower. (75174) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Loan is a ARM interest only loan and the final CD AP table does not specify the first change/Amount value and subsequent changes value due to which multiple exceptions are getting triggered.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment of $XXXX which do not match with the P&I of $XXXX as it's inclusive of interest for first 12 months.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment of $XXXX which do not match with the P&I of $XXXX as it's inclusive of interest for first 12 months.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: The final CD disclosed the Amount of Escrowed Property Costs over Year 1 as $44,671.00 on page 4th which is for 11 months only instead of 12 months.<br> (Actual monthly property tax $XXXX and Insurance $XXX = $XXXX)<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Insufficient cure amount provided on final CD, file does not contain a valid COC for this fee. |  | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Post Close Closing Disclosure Timing Irregular Transactions: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10005 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $15,750.00 exceeds tolerance of $0.00. $15,750.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan discount point Fee increased on XX/XX/XXXX Final Closing Disclosure with no valid changed evident |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10006 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Guideline Issue - Aged document: Primary Valuation is older than guidelines permit: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Maximum Loan Amount discrepancy.: Note loan amount of $XXXX is greater than Guideline maximum loan amount of $XXXX.<br> [2] Income Error - Income document is missing the document date and/or tax year.: Borrower: XXXX // Employment Type: Employment / Income Type: S-Corp (>= 25%) / Start Date: XX/XX/XXXX // Document: Third Party Verification / Document Date: / Tax Year: <br> [2] Income Documentation - Income documentation requirements not met. | Appraisal completed 'subject to completion', no 442 or other evidence provided.<br> Approved loan amount is $XXXX; however, per guideline, the maximum loan amount is $XXXX. Lender exception for a higher loan limit was not provided.<br> Missing personal and business sign and dated tax returns for XXXX and XXXX.<br> Waterfall due to declining income. P&L statements show declining income for the last 2 years. Missing personal and business sign and dated tax returns for XXXX and XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): lender granted exception to use the appraisals over 120 days but cannot locate the exception approval document. Subject home was not subject to completion. The appraisals were just over 120 days<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The appraisal is over the expiration date.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED APPROVAL FOR LOAN AMOUNT<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide date of lender exception approval with compensating factors for review.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED PERSONAL TRANSCRIPTS THAT COVER SIGNATURE REQUIREMENT ON PERSONAL RETURNS. WILL REQUEST SIGNED BUSINESS RETURNS<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED PERSONAL RETURNS<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Personal Tax Returns provided along with personal Tax Transcripts. Loan file is still missing signed and dated business Tax Returns or Business Tax Transcripts for XXXX and XXXX. Exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): lender cannot provide the signed business returns...just the unsigned version<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Per seller - lender cannot provide the signed business returns...just the unsigned version<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED COVID ATTESTATION WHICH STATES COVID CAUSED NUMBERS TO DECREASE IN XXXX. LENDER WAS CONSERVATIVE AND USED LOWER XXXX INCOME TO QUALIFY.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): LOE for declining income and Personal Tax Returns provided along with personal Tax Transcripts. Loan file is still missing signed and dated business Tax Returns or Business Tax Transcripts for XXXX and XXXX. Exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on attestation provided. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10008 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 84,945.96 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: The monthly estimate Hazard Insurance is $400.00 and the monthly taxes of $XXXX for a total of $XXXX and for a full year it would be $XXXX. The Closing Disclosure issued on XXXX reflects a total of $XXXX.<br> Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: APR decreased on XX/XX/XXXXlosing Disclosure and closing was XX/XX/XXXX.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on attestation provided. | Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10009 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX.<br> [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Short funds to close and reserves.File is missing two months bank statements for savings bank account with closing balance of $XXXX, checking bank account with closing balance of $XXXX, retirement account with ending balance of $XXXX, and stock account with ending balance of $XXXX, which was used to qualify per 1003. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): assets uploaded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Received updated 1003, received statements for mutual funds, received statements for retirement account however the first month showed a 0 balance and the second month showed a new deposit, did not see the source provided.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 53,513.13 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $795.00. $5.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure Product Testing: Closing Disclosure terms include interest-only that is not on the Note.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Amount of Estimated Property Costs over Year 1 of $53,513.13 on Final Closing Disclosure provided on XX/XX/XXXX are over-disclosed.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee increased on Loan Estimate issued XX/XX/XXXX, No valid COC was provided for this change, nor evidence of cure.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing appraisal delivery.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on attestation provided. | Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10010 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Combined High loan to value discrepancy.: Calculated high loan to value percentage of XX% exceeds Guideline high loan to value percentage of XX%<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of XX% exceeds Guideline combined loan to value percentage of XX%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%.<br> [2] Appraisal Documentation - Missing Document: Appraisal not provided<br> [2] Appraisal Documentation - Missing Document: Appraisal not provided | The Guides state for a value between $1.5M-$3M on a Primary is a 70% maximum LTV/CLTV. Per guidelines when Loan amount exceeds 1 million and CLTV/HCLTV/TLTV exceeds 50%, two appraisals are required. Primary and secondary appraisals are missing from loan file.<br> The Guides state for a value between $1.5M-$3M on a Primary is a 70% maximum LTV/CLTV.<br> The Guides state for a value between $1.5M-$3M on a Primary is a 70% maximum LTV/CLTV.<br> The Guides state for a value between $1.5M-$3M on a Primary is a 70% maximum LTV/CLTV.<br> Lender exception for appraisal waiver. Per guidelines when Loan amount exceeds 1 million and CLTV/HCLTV/TLTV exceeds 50%, two appraisals are required. Primary and secondary appraisals are missing from loan file.<br> Lender exception for appraisal waiver. Per guidelines when Loan amount exceeds 1 million and CLTV/HCLTV/TLTV exceeds 50%, two appraisals are required. Primary and secondary appraisals are missing from loan file. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Complete. Management waived the appraisal requirement as the new loan was a rate and term and XXXprovided the original financing. Email and conversation log documenting exception.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client accepts to waive and downgrade with comp. factors.Rep Fico score exceeds the guideline minimum. Appraisal requirement waived<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached exception approval<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client accepts to waive and downgrade with comp. factors.Rep Fico score exceeds the guideline minimum. Appraisal requirement waived<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): uploaded exception approval<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client accepts to waive and downgrade with comp. factors.Rep Fico score exceeds the guideline minimum. Appraisal requirement waived<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): uploaded exception approval<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client accepts to waive and downgrade with comp. factors.Rep Fico score exceeds the guideline minimum. Appraisal requirement waived<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Complete. Management waived the appraisal requirement as the new loan was a rate and term and XXXprovided the original financing. Email and conversation log documenting exception.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client accepts to waive and downgrade with comp. factors.Rep Fico score exceeds the guideline minimum. Appraisal requirement waived<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Complete. Management waived the appraisal requirement as the new loan was a rate and term and XXXprovided the original financing. Email and conversation log documenting exception.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client accepts to waive and downgrade with comp. factors.Rep Fico score exceeds the guideline minimum | 1 |  |  |  | 1 |  |  |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10011 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Maximum Loan Amount discrepancy.: Note loan amount of $XXXX is greater than Guideline maximum loan amount of $XXXX.<br> [2] Loan File - Missing Document: Hazard Insurance Policy not provided |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender exception provided.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached hoi builders risk - construction loan<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide HOI showing premium amount.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 54,544.93 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: Loan is a ARM interest only loan and the final CD AP table does not specify the first change/Amount value and subsequent changes value due to which multiple exceptions are getting triggered.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Loan is a ARM interest only loan and the final CD AP table does not specify the first change/Amount value and subsequent changes value due to which multiple exceptions are getting triggered.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 54,544.93 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed.<br> Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Missing evidence of XX/XX/XXXX Loan Estimate receipt, using mailbox method results in late delivery.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of appraisal receipt not provided.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on attestation provided. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10012 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.<br> [2] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing.: Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX<br> [2] General - The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio.: Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | DTI difference due to QM qualifying ratio. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 76,065.77 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Loan is an ARM interest-only loan, and the final Closing Disclosure AP table does not specify the first change/amount value and subsequent changes value, due to which multiple exceptions are getting triggered.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Loan is an ARM interest-only loan, and the final Closing Disclosure AP table does not specify the first change/amount value and subsequent changes value, due to which multiple exceptions are getting triggered.<br> Federal Compliance - TRID Loan Estimate Timing: Application date is XX/XX/XXXX; earliest Loan Estimate in file is XX/XX/XXXX.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Receipt of the right to receive a copy of the appraisal disclosure or Loan Estimate not within 3 days of application.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on attestation provided. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10013 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Combined High loan to value discrepancy.: Calculated high loan to value percentage of XX% exceeds Guideline high loan to value percentage of XX%<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of XX% exceeds Guideline combined loan to value percentage of XX%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Missing electronic consent.<br> Per guideline, property value between $1,500,000 to $3,000,000 maximum LTV is 70%.<br> Per guideline, property value between $1,500,000 to $3,000,000 maximum HCLTV is 70%.<br> Per guideline, property value between $1,500,000 to $3,000,000 maximum CLTV is 70%. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waived.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached ltv exception approval<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived with compensating factors per lender exception approval at origination.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached ltv exception approval<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived with compensating factors per lender exception approval at origination.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached ltv exception approval<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived with compensating factors per lender exception approval at origination. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,500.00 exceeds tolerance of $1,400.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10014 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 36,374.47 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Only report in file dated XX/XX/XXXX, appraisal notice datedXX/XX/XXXXFederal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on attestation provided. | Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10015 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Insurance Analysis - Hazard Insurance Policy expires within 90 days of the Note Date.: Hazard Insurance Policy Expiration Date XX/XX/XXXX, Note Date XX/XX/XXXX<br> [2] Income Documentation - Income documentation requirements not met. | File is missing a copy of 2 years of signed and dated tax returns and third-party verification of income. | SELLER - GENERAL COMMENT (XX/XX/XXXX): income docs uploaded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Waterfall due to missing signed, dated individual tax returns, with all applicable tax schedules for the most recent two years.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 31,889.33 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - ARM Disclosure Timing Test: Evidence of earlier borrower receipt of the List of Homeownership Counseling was missing from the file.<br> Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Missing evidence of initial loan application date.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Loan is an ARM, interest-only, and the final Closing Disclosure AP table does not specify the first change/amount value and subsequent changes value, due to which multiple exceptions are getting triggered.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: Final Closing Disclosure provided did not disclose a reason for not having an escrow account on page 4.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: The file only contained the final Closing Disclosure. Please provide the initial and any subsequent Closing Disclosures (if applicable) issued to the borrower for review.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Evidence of earlier borrower receipt of the List of Homeownership Counseling was missing from the file. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on attestation provided. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10016 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. |  |  | Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10017 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Income Documentation - Income documentation requirements not met. | Forms 1120-S for the years XXXX and XXXX are not signed and dated. | SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED SIGNATURE PAGES FOR XXXX AND THE OTHER 1120S JUST IN CASE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Did not receive signatures forXXXX XXXX or XXXX.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Attached signed XXXX & XXXX pages for XXXX - XXXX should not be needed.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Providing an acknowledged XXXX 1120S. The document was sent to closing and it appears that there is some kind of signature / initial but no date. This is all that is in the file.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Business returns XXXX, signed/dated. XXXX, signed but not dated. XXXX, not signed/dated. Per seller - Providing an acknowledged XXXX 1120S. The document was sent to closing and it appears that there is some kind of signature / initial but no date. This is all that is in the file.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Subordination Fee. Fee Amount of $XXX.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7559)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing Evidence XX/XX/XXXX appraisal receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on attestation provided.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10018 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129716)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 18,107.32 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $252.00 exceeds tolerance of $225.00 plus 10% or $247.50. $4.50 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $3,400.00 exceeds tolerance of $1,500.00. $1,900.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX) | Federal Compliance - ARM Disclosure Timing Test: ARM disclosure not provided within three days of application.<br> Federal Compliance - Notice of Right to Cancel Missing: Right to Cancel was not provided.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on XX/XX/XXXX reflects a monthly escrow payment that does not match the actual escrow payment for the loan due to the Taxes & Insurance payment being added.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Final Closing Disclosure provided on XX/XX/XXXX reflects a monthly escrow payment that does not match the actual escrow payment for the loan due to the Taxes & Insurance payment being added.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Final Closing Disclosure provided on XX/XX/XXXX reflects a monthly escrow payment that does not match the actual escrow payment for the loan due to the Taxes & Insurance payment being added.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $252.00 exceeds tolerance of $225.00 plus 10%, or $247.50. $4.50 over legal limit. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee was last disclosed as $1,500.00 on Loan Estimate but disclosed as $3,400.00 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $1,900.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10019 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on attestation provided. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10020 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Maximum Loan Amount discrepancy.: Note loan amount of XXXX is greater than Guideline maximum loan amount of $XXXX.<br> [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Guideline maximum allowable loan amount is $1,500,000. The subject loan amount is XXXX.<br> HOI coverage is insufficient by XXXX Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | SELLER - GENERAL COMMENT (XX/XX/XXXX): provided loan approval. No management approval based on loan amount just approval from the underwriter. If current home had 30% equity in it, the debt could be excluded. Provided AVM which shows value of XXXX and last mortgage statement which shows a balance of XXXX which is less than 70% LTV. reo docs uploaded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The documentation provided does not address the loan amount exceeding $1,500,000. The guidelines indicate any loan amount greater than $1,500,000 required CLC Approval. Exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 45,945.13 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Amount of Estimated Property Costs over Year 1 of 45,945.13 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence that borrower received a copy of appraisal dated XXXX 3 business days to closing.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on attestation provided. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10023 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Electronic consent for borrower is missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Status Test: The loan file is missing a copy of the ARM disclosure.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on attestation provided. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10024 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Credit Documentation - Purchase contract date not provided. | Purchase Contract agreement is missing. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached plans and specs and sworn statement<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Purchase Contract or Sales Contract Agreement is not available in file. Exception Remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 36,631.21 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Property Costs over Year 1 of 36,631.21 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Proof of Appraisal delivery report is not available in file for Appraisal Report date XX/XX/XXXX.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on attestation provided. | Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10027 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - REO Documents are missing.: Address: XXXX Statement | Missing mortgage statement for retained departure residence confirming taxes and insurance are escrowed for: XXXX.<br> Missing electronic consent.<br> Missing mortgage statement for retained departure residence confirming taxes and insurance are escrowed for: XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): THIS HOME IS NOW SOLD - SEE ATTACHED PRINT OUT FROM REALTOR. BORROWER SOLD IT SHORTLY AFTER CLOSING AND NO LONGER OBLIGATED TO DEBT. SHOULD BE INMATERIAL NOW TO NOT HAVE THE MTG STATEMENT SINCE THIS MORTGAGE WAS PAID OFF<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide mortgage statement from time of closing.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): mtg statement uploaded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Closing disclosure provided is not legible.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Uploaded a zoomed in version and added highlights. I see that it is a little blurry but i can make out the address as XXXXand clearly see th loan amount as well as the payment for this property.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Closing disclosure provided is not legible.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): From lender, That was the best copy I had but reuploaded. In addition I am providing the underwriter rationale and Credit report. Because the CD was a preliminary CD and not the final, the underwriter used the payment from the credit report which I have also provided. The payment on the credit report was higher so this was considered a conservative approach.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): unable to verify closing disclosure for non-subject property<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN SEASONED OVER 3 YEARS. XXXX TO WAIVE/REVIEW<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): THIS HOME IS NOW SOLD - SEE ATTACHED PRINT OUT FROM REALTOR. BORROWER SOLD IT SHORTLY AFTER CLOSING AND NO LONGER OBLIGATED TO DEBT. SHOULD BE INMATERIAL NOW TO NOT HAVE THE MTG STATEMENT SINCE THIS MORTGAGE WAS PAID OFF<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide mortgage statement from time of closing.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached mtg statement<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Closing disclosure provided is not legible.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): I see that it is a little blurry but i can make out the address as XXXXand clearly see th loan amount as well as the payment for this property.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. As stated prior unable to verify closing disclosure for non-subject property<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): From lender, That was the best copy I had but reuploaded. In addition I am providing the underwriter rationale and Credit report. Because the CD was a preliminary CD and not the final, the underwriter used the payment from the credit report which I have also provided. The payment on the credit report was higher so this was considered a conservative approach.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Unable to verify closing disclosure for non-subject property<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing receipt of final report dated XX/XX/XXXX. Receipt of an earlier report was provided.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Exception detail was updated on XX/XX/XXXX. Prior exception detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): .<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): restated<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10029 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 2 | [2] General - Missing Document: COVID-19 Attestation not provided |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $500.00 exceeds tolerance of $0.00. $500.00 over legal limit. Insufficient or no cure was provided to the borrower. (77183) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee increase from LE dated XX/XX/XXXX to CD dated XX/XX/XXXX. |  | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10030 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $19,079.55 exceeds tolerance of $18,608.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: 0% tolerance was exceeded by $471.55 due to Transfer Tax Fee. No valid COC provided, Specific credit of $721.80 has been provided as cure at closing. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10032 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal Report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10033 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insurance coverage is insufficient by $XXXX, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 30,816.06 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Timing Test: The application date is XX/XX/XXXX and the disclosure was provided XX/XX/XXXX.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Loan term is 31 years, Note document shows 360 months which do not include 12 months of Interest only period due to Construction Permanent.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Loan term is 31 years, Note document shows 360 months which do not include 12 months of Interest only period due to Construction Permanent.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Final Closing disclosure page 1 lists escrows as $2,617.79 + $183.67 total $2,801.46, however page 4 total states $30,816.06 annually which comes monthly as $2,568.00.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10036 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $925.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10038 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,025.00 exceeds tolerance of $XXXX plus 10% or $2,860.00. $165.00 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Title-Settlement Fee of $150.00 on Loan Estimate and was increased on Closing Disclosure issuedXX/XX/XXXX $575.00, with no valid change evidence. |  |  |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10039 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10041 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Income Documentation - Income documentation requirements not met. | Waterfall due to missing two years of business tax transcripts as required by guideline.<br> • For XXXX., provide two years of Form 1120-S and K-1s for the years XXXX and XXXX.<br> • For XXXX and XXXX, provide two years of Form 1065 and K-1s for the years XXXX and XXXX.<br> • For XXXX and XXXX, provide the required business tax documents for the year XXXX.<br> • For XXXX provide two years of business tax transcripts (Schedule C) for the years XXXX and XXXX.<br> PropertyXXXX Verification of expenses not provided. Provide Tax verification and Insurance verification. | SELLER - GENERAL COMMENT (XX/XX/XXXX): INCOME DOCS LOADED<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Third party verification of business existence is missing for XXXX, XXXX, XXXX, and XXXX.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): the only verification obtained at origination was for XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Assigned to buyer. Seller only obtained third party verification of business for 1 of 5 income streams at origination.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Homeownership Counseling List is missing in the file. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10042 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Loan is past the statute of limitations. This wouldn't be applicable now as all timing requirements are past SOL and closing docs were physically signed.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Both LE and initial CD electronically signed, exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $561,782.84 is under disclosed by $14,118.41 compared to the calculated Finance Charge of $575,901.25 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129688)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 30,305.66 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,696,430.79 is under disclosed by $14,493.41 compared to the calculated total of payments of $1,710,924.20 which exceeds the $100.00 threshold. (FinXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $561,782.84 is under-disclosed by $705.65 compared to the calculated Finance Charge of $562,488.49, which exceeds the $35.00 threshold.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on XX/XX/XXXX disclosed a product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect product disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: The disclosed Total of Payments in the amount of $1,696,430.79 is under-disclosed by $14,493.41 compared to the calculated total of payments of $1,710,924.20, which exceeds the $100.00 threshold.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX was received XX/XX/XXXX with a Note date of XX/XX/XXXX, missing evidence of waiver.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX was received XX/XX/XXXX with a Note date of XX/XX/XXXX, missing evidence of waiver. |  | Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10045 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,118,532.36 is over disclosed by $340.00 compared to the calculated Amount Financed of $1,118,192.36 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,086,639.04 is under disclosed by $340.00 compared to the calculated Finance Charge of $1,086,979.04 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Finance Charge disclosed is $1,086,639.04. Calculated finance charge is $1,086,979.04. Variance of -$340.00 is due to addition of compliance XXXXt fee.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Amount Financed disclosed is $1,118,532.36. Calculated Amount Financed of $1,118,192.36. Variance of $340.00. |  | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10047 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX023)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $127.90 exceeds tolerance of $67.00. Sufficient or excess cure was provided to the borrower at Closing. (7520)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,500.00 exceeds tolerance of $830.00. Sufficient or excess cure was provided to the borrower at Closing. (7507)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,500.00 exceeds tolerance of $830.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal reports dated XX/XX/XXXX missing evidence of receipt. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10048 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10049 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing: FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $185.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7552) | Federal Compliance - (Missing Data) Last Rate Set Date: Rate lock agreement is missing in the file. Lock date is not provided. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing: Liability for violations cannot be transferred to a subsequent purchaser of a loan. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10050 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 2 | [2] Loan File - Missing Document: Hazard Insurance Policy not provided |  | SELLER - GENERAL COMMENT (XX/XX/XXXX): construction loan - attached builders risk<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Policy provided does not reflect Level One as as the certificate holder as required by guidelines.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3146388)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3146387)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3146386)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3146385)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 25,141.71 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: This is a 18-month interest only product, P & I subsequent changes first payment change date are not matching<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: This is a 18-month interest only product, P & I subsequent changes first payment change date are not matching<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: This is a 18-month interest only product, P & I subsequent changes first payment change date are not matching<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: This is a 18-month interest only product, P & I subsequent changes first payment change date are not matching<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: This is a 18-month interest only product, P & I subsequent changes first payment change date are not matching<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: This is a 18-month interest only product, P & I subsequent changes first payment change date are not matching<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: This is a 18-month interest only product, P & I subsequent changes first payment change date are not matching<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: This is a 18-month interest only product, P & I subsequent changes first payment change date are not matching<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: This is a 18-month interest only product, P & I subsequent changes first payment change date are not matching |  | Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10051 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:842XX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: The loan originator's start date with the lender was after the application date.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing receipt of final report dated XX/XX/XXXX. Receipt of earlier report was provided.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing evidence of XX/XX/XXXX appraisal receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: "Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation."<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10054 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Fee was last disclosed as $600.00 on the Loan Estimate but disclosed as $1,200.00 on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, nor evidence of cure in file. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10056 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $XXXX. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10058 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - REO Documents are missing.: Address: XXXX Statement | E-sign Consent Agreement is missing.<br> Statement is missing to verify the PITI payment for REO XXXX.<br>Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> Statement is missing to verify the PITI payment for REO XXXX,<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10059 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. $4.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $900.00 exceeds tolerance of $600.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10060 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10062 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3130260)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 16,875.87 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a subsequent changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on XX/XX/XXXX disclosed a product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect product disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10063 |  | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Copy of Appraisal not Provided 3 Business days Prior to consummation. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10065 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Safe Harbor QM (43-Q) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3130309)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 16,463.26 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,144.00 exceeds tolerance of $1,862.00 plus 10% or $2,048.20. $95.80 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,500.00 exceeds tolerance of $650.00. $850.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: This is a construction loan with 12 months Interest only payments based on draws taken for construction phases.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: This is a construction loan with 12 months Interest only payments based on draws taken for construction phases.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: This is a construction loan with 12 months Interest only payments based on draws taken for construction phases.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: This is a construction loan with 12 months Interest only payments based on draws taken for construction phases.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: This is a construction loan with 12 months Interest only payments based on draws taken for construction phases.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: This is a construction loan with 12 months Interest only payments based on draws taken for construction phases.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: The Loan Estimate reflects a total of $1,862.00 in 10% Tolerance fees. The final signed and dated Closing Disclosure reflects a total of 10% Tolerance fees in the amount of $2,144.00 increases in the closing fee, title insurance and title search fees. There is no evidence of a changed circumstance and the Cure of $850.00 was not sufficient for all tolerance violations.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: An additional appraisal fee was added on the 06.18.21 Closing Disclosure. A Tolerance Cure of $850.00 was provided on the Closing Disclosure. However, the cure provided did not cover the 10% Tolerance fee increase. |  | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10066 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10067 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10068 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Income Error - Income document is missing the document date and/or tax year.: Borrower: XXXX // Employment Type: Employment / Income Type: Partnership (>= 25%) / Start Date: XX/XX/XXXX // Document: Third Party Verification / Document Date: / Tax Year: , Borrower: XXXX // Employment Type: Employment / Income Type: Partnership (>= 25%) / Start Date: XX/XX/XXXX // Document: Third Party Verification / Document Date: / Tax Year: <br> [2] Income Documentation - Income documentation requirements not met. | Business entity listing for both the employment online is missing online searched date.<br> Per the application, mortgage to XXXX showing monthly payment of $XXXX . Missing statement to verify this payment for XXXX .<br> Business entity listing for both the employment online is missing online searched date. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Attached vvoe and highlighted dates<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing dates for third party verification are for business XXXX and XXXX <br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Providing LARA search for both companies that were performed at origination. This is the 3rd party verification of employment.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Document provide does not have a date listed, exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED MTG STATEMENT, HOI, TAXES AND HOA FEES ASSOCIATED WITH THE XXXX REO<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing dates for third party verification are for business XXXX and XXXX <br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Providing LARA search for both companies that were performed at origination. This is the 3rd party verification of employment.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Document provide does not have a date listed, exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10069 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Total cash-out discrepancy.: HUD-1 total cash-out of $XXXX is greater than Guideline total cash-out of $XXXX.00. | The guideline maximum allowable cash out is $XXXX.00.<br> The guideline maximum allowable cash out is $XXXX.00. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 3 | [3] Appraisal Data Integrity - Appraiser's license or certification was not active at the time of the appraisal.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraiser's license effective and issue date XX/XX/XXXX post appraisal report date. |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [3] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $14,084.90 may be required.<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Missing 1003 application. No evidence of initial loan application date.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Initial Closing Disclosure missing in loan file.<br> Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: Loan Estimate not provided within loan images to evidence delivery to the Borrower.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: Missing evidence of receipt of the right to receive a copy of the appraisal disclosure and Loan Estimate.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Creditor did not provide List of Homeownership Counseling Organizations to borrower. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>Effective XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B C |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10070 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Receipt dated XX/XX/XXXX; however, appraisal report dated XX/XX/XXXX. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10071 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Evidence of earlier receipt not provided in the loan file.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10072 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Combined High loan to value discrepancy.: Calculated high loan to value percentage of XX% exceeds Guideline high loan to value percentage of XX%<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of XX% exceeds Guideline combined loan to value percentage of XX%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Final approval indicates 85%, lender's exception waiver was provided. Compensating factors high income, DTI, credit score and assets.<br> Final approval indicates 85%, lender's exception waiver was provided. Compensating factors high income, DTI, credit score and assets.<br> Final approval indicates 85%, lender's exception waiver was provided.<br> Final approval indicates 85%, lender's exception waiver was provided. Compensating factors high income, DTI, credit score and assets. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - RE-GRADED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - RE-GRADED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - RE-GRADED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3130029)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 23,457.17 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXX.00 exceeds tolerance of $0.00. $XXX.00 over legal limit. Insufficient or no cure was provided to the borrower. (75174)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $0.00. $800.00 over legal limit. Insufficient or no cure was provided to the borrower. (7507)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,825.00 exceeds tolerance of $1,725.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. (7334) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Adjustable-Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note.<br> Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee increased on XX/XX/XXXX Loan Estimate and again on XX/XX/XXXX Closing Disclosure with no valid change evident. |  | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10073 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10074 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED. XXXX TO REVIEW/WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. per seller - LOAN OVER 3 YEARS SEASONED. XXXX TO REVIEW/WAIVE<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four business days prior to closing.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  | Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10075 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - REO Documents are missing.: Address: XXXX Statement | Missing Mortgage Statement for XXXX with no further clarification of which expense or expenses are escrowed. Tax and insurance were not provided to verify the escrowed amount was sufficient for both expenses.<br> Missing Mortgage Statement with no further clarification of which expense or expenses are escrowed. Tax and insurance were not provided to verify the escrowed amount was sufficient for both expenses. | SELLER - GENERAL COMMENT (XX/XX/XXXX): HOME SOLD NOW - ATTACHED REDFIN REPORT<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide mortgage statement from time of closing.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): REO docs provided is insurance and pending sale notification on Zillow. The pending sale was used to exlcude residence.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide mortgage statement from time of closing.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): HOME SOLD SHORTLY AFTER CLOSING IN XXXX XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide mortgage statement from time of closing.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): REO docs provided is insurance and pending sale notification on Zillow. The pending sale was used to exclude residence.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide Mortgage statement for property XXXX , hence this property expenses are used in DTI, Exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $900.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Restated to Non QM<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Re-stated to Non-QM<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Re-stated to Non-QM | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10076 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Waterfall due to missing a copy of VVOE. Per guidelines, Verbal Verification of Employment (VVOE) completed within 10 days of closing must be provided.<br> This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment (VVOE) completed within 10 days of closing must be provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Completed. Attestation and Verification for remote work used for 10 day VOE. Note this was during COVID so exceptions were made to verification.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VOE not within 10 days of note, exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): LENDER PROVIDED WHAT THEY HAD. XXXX TO REVIEW<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED VVOE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VVOE provided is dateXX/XX/XXXXnd note date ofXX/XX/XXXXs not within 10 days.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Completed. Attestation and Verification for remote work used for 10 day VOE. Note this was during COVID so exceptions were made to verification.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VOE not within 10 days of note, exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): LENDER PROVIDED WHAT THEY HAD. XXXX TO REVIEW<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $155.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10077 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $294.00 exceeds tolerance of $196.00 plus 10% or $215.60. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10078 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Miscellaneous - Credit Exception: | Lender exception is provided for payment shock with compensating factors of high income earning and FICO score of 786 and disposable income.<br> Lender exception is provided for payment shock with compensating factors of high income earning and FICO score of 786. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender Exception with Compensating Factors provided. Downgraded and Waived. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Administrative Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. $75.00 over legal limit. Insufficient or no cure was provided to the borrower. (77256)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1.00 exceeds tolerance of $0.00. $1.00 over legal limit. Insufficient or no cure was provided to the borrower. (8304)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Guideline Deficiency - QM Impact: General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee was added on Closing Disclosure on XX/XX/XXXX. The Loan Estimate did not provide a fee for Title-Administrative Fee, and a Change of Circumstance was not provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Transfer Tax Fee was added on Closing Disclosure issued XX/XX/XXXX; a Change of Circumstance was not provided.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Receipt dated XX/XX/XXXX however appraisal report dated XX/XX/XXXX<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: EV2-B with pre-consummation lender exception and sufficient comp factors. Results are no longer QM Risk. QM Status = Safe Harbor QM (APOR)<br> Federal Compliance - Guideline Deficiency - QM Impact: Lender exception is provided for payment shock with compensating factors of high income earning and FICO score of 786. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EV2-B with pre-consummation lender exception and sufficient comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender exception is provided for payment shock with compensating factors of high income earning and FICO score of 786 and disposable income. Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EV2-B with pre-consummation lender exception and sufficient comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10079 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129747)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 13,159.63 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Loan is 1 year Interest Only, 11/1 Adjustable Rate<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: Payment stream 1 reflects a Principal and Interest Payment of $XXXX. Actual payment is $XXXX.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Loan is 1 year Interest Only, 11/1 Adjustable Rate<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Payment stream 1 reflects a Principal and Interest Payment of $XXXX. Actual payment is $XXXX.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Page 4 of final closing disclosure reflects estimated property costs of $13,159.63. Actual property costs are $14,355.96.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Fee was disclosed on initial Loan estimate as $0.00 but disclosed on final Closing Disclosure $600.00. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10082 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. (Type:PrimaXX/XX/XXXX)<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Status: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Right to cancel signature date is XX/XX/XXXX with expiration date XX/XX/XXXX, Notary date is also XX/XX/XXXX, however Closing Disclosure issued XX/XX/XXXX was signed XX/XX/XXXX with no evidence of later receipt.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> State Compliance - Michigan CMPA Home Loan Toolkit Status: Home Loan Toolkit not provided to borrower.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10083 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. $4.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Report Fee on closing disclosure is $67.40 and on loan estimate $63.00. No Valid Change circumstance in file. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10084 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Missing evidence ofXX/XX/XXXXoan Estimate receipt, using mailbox method results in late delivery.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10085 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10086 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10088 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of 18,173.43 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3139101)<br> [3] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3139101)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018: Escrowed Property Costs over Year 1 of 18,173.43 is over-disclosed and should be $15644.76 based on total monthly taxes of $XXXX<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment of $1282.42 that does not match the actual payment of $1652.13, which includes HOI of $348.40 and Taxes of $1303.73.<br> Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: The subject loan does not have Non Escrowed Property Cost - All property cost are escrowed, which includes taxes and insurance.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment of $4216.04 that does not match the actual principal and interest payment of $3949.78.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10090 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (InitiXX/XX/XXXX)<br> [3] Federal Compliance - TRID Interim Closing Disclosure Timing Regular APR Change: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,956.00 exceeds tolerance of $2,300.00. $1,656.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Issue date was left blank on Closing Disclosure. It appears the issue date was XX/XX/XXXX due to the timestamp at the bottom of page 1.<br> Federal Compliance - TRID Interim Closing Disclosure Timing Regular APR Change: Incomplete Closing Disclosure is not dated, so the issue date is XX/XX/XXXX, which is the same day as the Loan Estimate issued XX/XX/XXXX. Disclosure was not labeled as Draft, and there is no lender attestation that the Disclosure was never provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: .<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Loan designation updated to "small creditor" on XXXX<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Missing application date. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Interim Closing Disclosure Timing Regular APR Change: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10091 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,300.00 exceeds tolerance of $925.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Disclosure is missing. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10092 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10093 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: TILA-RESPA Integrated Disclosure - Loan Calculations: APR ofXX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR ofXX% outside ofXX% tolerance. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $763,883.47 is under disclosed by $313,240.74 compared to the calculated Finance Charge of $1,077,124.21 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,720,887.62 is under disclosed by $313,785.74 compared to the calculated total of payments of $2,034,673.36 which exceeds the $35.00 threshold. (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $55.00 plus 10% or $60.50. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Adjustable-Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate index as reflected on the Note.<br> Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: Loan Calculations: APR ofXX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR ofXX% outside ofXX% tolerance.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance Charge understated by $313,240.74.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Total of Payments understated by $313,785.74 | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $431,414.68 is under disclosed by $2,364.51 compared to the calculated Finance Charge of $433,779.19 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3129759)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed $0.00 instead of a '-' in the payment stream on a loan containing Mortgage Insurance. (ProjSeq:4/3129761)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed $0.00 instead of a '-' in the payment stream on a loan containing Mortgage Insurance. (ProjSeq:3/3129760)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3129761)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3129760)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129758)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,299,720.73 is under disclosed by $2,859.51 compared to the calculated total of payments of $1,302,580.24 which exceeds the $35.00 threshold. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided): Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,100.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: Note reflects 12 month adjustments; Final Closing Disclosure reflects subsequent changes of 12 months.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance Charge understated by $2,364.51 compared to the calculated Finance Charge of $433,779.19, which exceeds the $35.00 threshold.<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments.<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: "Product" on page 1 of Final Closing Disclosure does not match the note terms.<br> Federal Compliance - TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed $0.00 instead of a '-' in the payment stream on a loan containing Mortgage Insurance.<br> Federal Compliance - TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed $0.00 instead of a '-' in the payment stream on a loan containing Mortgage Insurance.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,299,720.73 is under-disclosed by $2,859.51 compared to the calculated total of payments of $1,302,580.24, which exceeds the $35.00 threshold.<br> Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account.<br> State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided): Borrower was not provided Right Not to Close Disclosure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: The file is missing a valid Change of Circumstance for zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee amount of $1,100.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided): "The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure." |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10095 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,950.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10096 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Missing electronic consent.<br> HOI coverage is insufficient by $XXXX. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129764)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 22,111.00 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. $4.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $600.00. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - ARM Disclosure Timing Test: ARM Disclosure is required to be delivered within 3 business days of application.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: Due to 12 months of interest only payment principal and interest payment for payment stream 1 does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Due to 12 months of interest only payment principal and interest payment for payment stream 1 does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: 12 months interest only payment as per final closing disclosure hence we are getting the difference.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No valid COC or lender cure was provided for the increase in 0% Tolerance Fees.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No valid COC or lender cure was provided for the increase in 0% Tolerance Fees. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10097 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | As per the calculation LTV is XX%; however as per the guidelines allowable is only 85.0000% which exceeds the threshold. (If we consider100% as LTV as per the matrix then there will be discrepancy on the Loan amount.) Hence raised concern on LTV.<br> Missing electronic consent.<br> As per the calculation LTV is XX%; however as per the guidelines allowable is only 85.0000% which exceeds the threshold. (If we consider100% as LTV as per the matrix then there will be discrepancy on the Loan amount.) Hence raised concern on LTV. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): We have reached out to outside counsel regarding loan designation since this is a credit guideline requirement.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): We have reached out to outside counsel regarding loan designation since this is a credit guideline requirement.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10099 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10100 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | DTI of XX% exceeding guideline allowable limit of 45%, and 1008 DTI reflects XX%.Data being used in calculations.<br> Data being used in calculations.<br> Income: $XXXX.<br> Subject Mortgage P&I:$XXXX (PER GUIDES QUALIFICATION METHOD: Greater of the fully indexed rate or the note rate + 2.0%).<br> Total Other Financing. N/A.<br> Hazard $XXXX.<br> MI $n/a.<br> Taxes $XXXX.<br> Non subject REO $XXXX.<br> HOA DUES $XXXX<br> Credit debt $XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): requested the vvoe. However, on the dti exception piece, LOAN IS A 7/1 ARM GUIDELINES STATE FIXED TERM SEVEN YEARS OR GREATER THE LOCKED RATE IS USED TO QUALIFY<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Waiting for verbal. Changed method to note rate, per guides. The DTI is XX%. The max DTI is 45%. 1008 DTI is XX%.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached approved exception for dti<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Portfolio exception tracking provided. Unable to confirm compensating factors, higher DTI limit approved on exception. Lender exception with compensating factors for higher DTI approval is missing.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Uploaded exception approval to docacuity per XXXX 5/11 - compensating factors has a number assigned to it with table with descriptions included at the bottom of the screenshot<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Comp factors were used to waive the DTI and allow for Safe Harbor APOR. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $325.00. $70.00 over legal limit. Insufficient or no cure was provided to the borrower. (75215)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,500.00 exceeds tolerance of $450.00. $1,050.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,010.00 exceeds tolerance of $965.00. $45.00 over legal limit. Insufficient or no cure was provided to the borrower. (7334)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $7,728.00 exceeds tolerance of $0.00. $7,728.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200)<br> [2] Federal Compliance - General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines: General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: HOA/Condo Questionnaire on Initial Loan Estimate as $325.00, but disclosed, which increased on Closing Disclosure dated XX/XX/XXXX, is $1,500.00. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure is provided in file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee on Initial Loan Estimate as $450.00 but disclosed, which increased on Loan Estimate dated XX/XX/XXXX, is $1,450.00. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure is provided in file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Processing Fee on Initial Loan Estimate as $0.00 but disclosed, which increased on Loan Estimate dated XX/XX/XXXX, is $1,010.00. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure is provided in file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points on Initial Loan Estimate as $965.00 but disclosed, which increased on Loan Estimate dated XX/XX/XXXX, is $900.00 and final Closing Disclosure as $7,728.00. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure is provided in file.<br> Federal Compliance - General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines: Changed method to note rate, per guides. The DTI is XX%. The max DTI is 45%. 1008 DTI is XX%. | SELLER - GENERAL COMMENT (XX/XX/XXXX): exception approval for dti provided<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Portfolio exception tracking provided. Unable to confirm compensating factors, higher DTI limit approved on exception. Lender exception with compensating factors for higher DTI approval is missing.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Exception approval provided showed CF or compensating factors were noted as 2 and 9 which mean low ltv/cltv and executive request per the table that is also included on the approval<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): exception screen shot not legible, not valid.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Comp factors were used to waive the DTI and allow for Safe Harbor APOR. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10101 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $87.40 exceeds tolerance of $63.00. $24.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $960.00. $40.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit report fee increased from $63.00 to $87.40, an increase of $24.40, without a valid changed circumstance document in file. No cure provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal fee increased from $960.00 to $1,000.00, an increase of $40.00, without a valid changed circumstance document in file. No cure provided. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10103 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $252.00 exceeds tolerance of $225.00 plus 10% or $247.50. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $0.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,150.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure dated XX/XX/XXXX was not provided to the borrower within three (3) days of application date XX/XX/XXXX.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10104 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Receipt dated XX/XX/XXXX; however, appraisal report dated XX/XX/XXXX.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10105 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10106 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent | SELLER - GENERAL COMMENT (XX/XX/XXXX): Loan over 3 years seasoned. XXXX TO waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Timing Test: PLEASE OVERRIDE, loan was initially fixed and onXX/XX/XXXX was changed to a 10/1 ARM, ARM disclosedXX/XX/XXXXFederal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10107 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met. | Missing electronic consent.<br> Missing gap letter. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): gap was less than 6 months old and that is the requirement the agencies have and we would have relied on.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Requires LOE for any gaps that span one or more months.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Restated | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10108 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Application / Processing - Flood Certificate Error: Certificate Number was not provided. |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,600.00 exceeds tolerance of $925.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10110 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:834XX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Initial Closing Disclosure is not provided at least 3 business days prior to closing.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing receipt of XX/XX/XXXX report, receipt of earlier report was provided.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing receipt of XX/XX/XXXX report, receipt of earlier report was provided.<br> Federal Compliance - Missing Initial Loan Application Testing: Missing initial 1003 in file<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Initial Loan Application not provided | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10112 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Property Eligibility - Site and Utilities - Genesee County Water Contamination: Property is located in Genesee County, MI and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards | No evidence in file that water supply is serviced by a non municipal water source or water quality analysis that states water is contaminate free. |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10113 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $XXXX missing replacement cost, | SELLER - GENERAL COMMENT (XX/XX/XXXX): Current balance of loan is $XXXX which is covered by insurance. XXXX policy in file insures for replacement cost of property.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide email from insurer stating replacement cost covers 100% of replacement cost estimate.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO WAIVE<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129739)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 17,124.36 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: discrepancies related to the first and subsequent change periods due to the construction perm terms. It appears that the lender has based the entries on CD for the permanent phase and not the whole loan.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: discrepancies related to the first and subsequent change periods due to the construction perm terms. It appears that the lender has based the entries on CD for the permanent phase and not the whole loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: discrepancies related to the first and subsequent change periods due to the construction perm terms. It appears that the lender has based the entries on CD for the permanent phase and not the whole loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: discrepancies related to the first and subsequent change periods due to the construction perm terms. It appears that the lender has based the entries on CD for the permanent phase and not the whole loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: discrepancies related to the first and subsequent change periods due to the construction perm terms. It appears that the lender has based the entries on CD for the permanent phase and not the whole loan. |  | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10114 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10115 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10116 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $960.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10117 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $125.00 exceeds tolerance of $75.00 plus 10% or $82.50. $42.50 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% tolerance was exceeded by $82.50 due to an increase in the recording fee. No valid Change of Circumstance was provided, and no evidence of cure was found in the file. |  |  |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10118 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Exception Detail was updated on XX/XX/XXXX. PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10119 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $249.30 exceeds tolerance of $214.00 plus 10% or $235.40. $13.90 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $450.00 exceeds tolerance of $0.00. $450.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone: Loan originated post XXXX XXXX, the subject property is in a flood zone, flood insurance is not escrowed. | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Recording fee amount of $249.30 exceeds tolerance of $214.00. A valid COC for the fee increase was not provided. A cure amount of $13.90 was provided to the borrower at close.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee was added on final closing disclosure issued XX/XX/XXXX, change of circumstance dated XX/XX/XXXX stated "Rate lock extended - locked pricing changed", however points were increased outside of ratio.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone: Flood insurance is not escrowed. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10121 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 2 | [2] Application / Processing - 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements.: Borrower: XXXX<br> [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met | Borrower disclosed on Final application he co-signed or is guarantor on additional debt or loan that is not on application. Corrected 1003 required.<br> Borrower disclosed on Final application he co-signed or is guarantor on additional debt or loan that is not on application. Corrected 1003 required. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Explanation is "[Borrower] My business has a line of credit through the SBA. i suspect i signed as a guarantor"<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provided supporting documentation in order to verify type of debt, date and details of the debt referred on credit application<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Lender cannot provide anything else for this exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provided supporting documentation in order to verify type of debt, date and details of the debt referred on credit application<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan has enough documentation to reach Safe harbor<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan has enough documentation to reach Safe harbor | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Guideline Deficiency - QM Impact: General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Borrower disclosed on Final application he co-signed or is guarantor on additional debt or loan that is not on application. Corrected 1003 required.<br> Federal Compliance - Guideline Deficiency - QM Impact: Borrower disclosed on Final application he co-signed or is guarantor on additional debt or loan that is not on application. Corrected 1003 required. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client elects to downgrade and waive based on compensating factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2 with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client elects to downgrade and waive based on compensating factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2 with comp factors. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10122 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10123 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX. | Based on asset documentation in file, verified assets total $XXXX. With funds required to bring to closing of $XXXX, plus the Recertification of Value Fee of $150.00 POC, total funds to be verified is $XXXX. Additionally, guidelines require 6 months of reserves for this loan ($XXXX), and there are only XX months of reserves verified ($XXXX).<br> Missing electronic consent.<br> Based on asset documentation in file, verified assets total $XXXX. With funds required to bring to closing of $XXXX, plus the Recertification of Value Fee of $150.00 POC, total funds to be verified is $XXXX. Additionally, guidelines require 6 months of reserves for this loan ($XXXX), and there are only XX months of reserves verified ($XXXX). | SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, We did not obtain additional reserves. Refinance of our own loan - loan should still be QM and not a risk just because it's short on a lender reserve guide<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is being tested to APOR. Asset requirements need to be met.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN IS OVER 3 YEARS SEASONED. XXXX TO WAIVE/REVIEW<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN IS OVER 3 YEARS SEASONED. XXXX TO WAIVE/REVIEW<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, We did not obtain additional reserves. Refinance of our own loan<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is being tested to APOR. Asset requirements need to be met.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Recertification of Value. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7543)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10124 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10125 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Miscellaneous - Credit Exception: | A copy of borrower's degree will be required to confirm eligibility however it is not located in the file. | SELLER - GENERAL COMMENT (XX/XX/XXXX): ? WHY WOULD BORR DEGREE BE REQUIRED? SELF EMPLOYED 15 YEARS.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The XXXX requires a copy of the borrower's degree to confirm eligibility. Exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached the license verification<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender, This was only required for new doctors. This person has been in business since XXXX based on their license which I have provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Guidelines require a copy of the degree to confirm eligibility.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10126 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insurance coverage is insufficient by $XXXX based on loan amount $XXXX, appraisal value $XXXX, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 16,230.17 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: The final CD disclosed the Amount of Escrowed Property Costs over Year 1 as $16,230.17 on page 4th which is for 11 months only instead of 12 months.<br> (Actual monthly property tax $13,25.47 and Insurance $150 = $1,475.47\*12= 17,705.64)<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10127 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $700.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10128 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10129 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10130 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10131 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Property Eligibility - Site and Utilities - Genesee County Water Contamination: Property is located in Genesee County, MI and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards | No evidence in file that water supply is serviced by a non-municipal water source or water quality analysis that states water is contaminant-free. |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10134 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Income Documentation - REO Documents are missing.: Address: XXXX Insurance Verification | Mortgage statement,Tax Certificate, Insurance missing for REO - Olmstead. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached reo docs<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): HOI verification has not been provided for XXXX.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Providing mortgage statement that reflects an escrow account so this would have covered both taxes and insurance so the HOI was not obtained. Providing email from borrower stating neither property had HOA dues.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Insurance Verification, Statement, Tax Verification<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - Missing Initial Loan Application Testing: Missing Initial 1003.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Missing Initial 1003. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10135 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10136 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $591,465.62 is under disclosed by $12,567.01 compared to the calculated Finance Charge of $604,032.63 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,377,447.02 is under disclosed by $12,887.01 compared to the calculated total of payments of $1,390,334.03 which exceeds the $35.00 threshold. (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $960.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: The disclosed Finance Charge in the amount of $591,465.62 is under disclosed by $12,567.01. Calculated Finance Charge is $604,032.63.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Disclosed Total of Payments is $1,377,447.02 total of payments of $1,390,334.03 which exceeds the $35.00 threshold. There is a variance of $12,887.01. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10137 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Application / Processing - 1003 Error: citizenship Source Documentation was not provided: Borrower: XXXX<br> [2] Application / Processing - 1003 Error: citizenship Source Documentation was not provided: Borrower: XXXX<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Verification of citizenship status not provided.<br> Verification of citizenship status not provided.<br> Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10138 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated to designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated to designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10139 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $960.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10140 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing e-Consent agreement.<br> The Work Number verification of employment is dated XX/XX/XXXX which is after the note date.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> The Work Number verification of employment is dated XX/XX/XXXX which is after the note date.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Loan is over 5 years seasoned past statute of limitations. should be a non material exception.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Loan is over 5 years seasoned past the statute of limitations. Exception should be downgraded.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment - Seller comment - Loan is over 5 years seasoned past the statute of limitations. Exception should be downgraded.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Agree the verbal is dated after closing. XXXX TO review. Loan is SHQM. Do not see an issue with this.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Per seller - Agree the verbal is dated after closing. XXXX TO review. Loan is SHQM. Do not see an issue with this.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Agree the verbal is dated after closing. XXXX TO review. Loan is SHQM. Do not see an issue with this.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Per seller - Agree the verbal is dated after closing. XXXX TO review. Loan is SHQM. Do not see an issue with this.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10141 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 2 | 2 | [2] Application / Processing - Flood Certificate Error: Certificate Number was not provided. | Flood Certificate was not found in file. |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $155.00 exceeds tolerance of $140.00 plus 10% or $154.00. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX, Financial Institution: XXXX // Account Type: Savings / Account Number: XXXX<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided<br> [2] Credit Documentation - Purchase contract date not provided.<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower:XXXX// Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower:XXXX// Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Initial and final 1003s missing, fraud report missing, along with valuation (appraisal, CDA). Loan approval was not provided in the file. Please provide a document reflecting the loan was approved and the terms of the approval (LTV, DTI, FICO, etc.).<br> Consecutive bank statement for acct#XXXX is required to meet 2 months requirement.<br> Missing third-party verification of primary borrower's employment with XXXX, unable to confirm start date and duration of employment. Waterfall issues due to missing third-party verification of co-borrower's employment with XXXX, unable to confirm start date and duration of employment.<br> Purchase contract is missing.<br> Waterfall issues due to missing third-party verification of primary borrower's employment with XXXX, unable to confirm start date and duration of employment.<br> Waterfall issues due to missing third-party verification of co-borrower's employment with XXXX, unable to confirm start date and duration of employment.<br> Waterfall issues due to missing third-party verification of primary borrower's employment with XXXX, unable to confirm start date and duration of employment.<br> Waterfall issues due to missing third-party verification of co-borrower's employment with XXXX, unable to confirm start date and duration of employment. | SELLER - GENERAL COMMENT (XX/XX/XXXX): all docs uploaded on prior exceptions<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide Fraud report, Exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): vvoes uploaded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide VOE for both borrower's employment, Exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): construction plans and specs uploaded along with project approval<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide purchase agreement, Exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached construction plans and specs<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide purchase agreement, Exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): vvoes uploaded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide VOE for XXXX, Exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): vvoes uploaded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide VOE for XXXX, Exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): vvoes uploaded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide VOE for XXXX, Exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): vvoes uploaded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide VOE for XXXX, Exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 14,904.78 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Status: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Initial 1003 is missing.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Loan is 1-year interest-only fixed rate.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Amount of estimated property costs over Year 1 is $14,904.78.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: Final Closing Disclosure dated XX/XX/XXXX does not disclose whether the loan will have an escrow account.<br> Federal Compliance - TRID Loan Estimate Timing: Initial Loan Estimate not provided to borrower.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: .<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Required right to receive copy of appraisal within 3 business days from closing.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Initial 1003 is missing. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10143 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $105.00 exceeds tolerance of $65.00 plus 10% or $71.50. $33.50 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% tolerance was exceeded by $33.50. No valid Change of circumstance provided, nor evidence of cure in file.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10144 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: XXXX // Account Type: 401(k)/403(b) Account / Account Number: XXXXK<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of XX% exceeds Guideline combined loan to value percentage of XX%.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%.<br> [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | XX/XX/XXXX to XX/XX/XXXX statement provided; guideline required two months of consecutive statements.<br> Missing supporting documentation to exclude investment property on XXXX. There is a LOE, borrowers intend to sell; however, additional documentation is needed to support exclusion.<br> XX/XX/XXXX to XX/XX/XXXX statement provided; guideline required two months of consecutive statements.<br> Calculated CLTV of 90% exceeds guideline maximum allowable CLTV of 85% for the loan amount of $XXXX.<br> Waterfall due to missing supporting documentation to exclude investment property on XXXX. There is a LOE, borrowers intend to sell; however, additional documentation is needed to support exclusion.<br> Max Appendix Q DTI is 43% and current DTI is 54.68%.<br> Calculated LTV of 90% exceeds guideline maximum allowable LTV of 85% for the loan amount of $XXXX.<br> Insurance coverage is insufficient by $XXXX, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender, They only obtained the 1 month of XXXXStatement for the retirement account. The other XXXXwas to show where the additional cash plus large deposit into XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender agrees<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender, the debt was excluded in error. Home did sell in XXXX XXXX however debt was not included in the ratios and this was an error.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender, They only obtained the 1 month of XXXXStatement for the retirement account. The other XXXXwas to show where the additional cash plus large deposit into XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender agrees<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached exception approval<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide compensating factors used for approval.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender, the debt was excluded in error. Home did sell in XXXX XXXX however debt was not included in the ratios and this was an error.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Cit to review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached exception approval<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide compensating factors used for approval.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 15,342.36 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Amount of estimated property costs over year 1 of $15,342.36 on final Closing Disclosure provided on XX/XX/XXXX are overdisclosed.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10145 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Loan seasoned over 3 years. XXXX TO waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Initial 1003 is missing.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Missing Lender's Initial 1003.<br> Federal Compliance - Missing Initial Loan Application Testing: Initial 1003 is missing.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Initial 1003 is missing. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10146 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10147 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Calculated DTI: XX% matches approved DTI on 1008 Loan Underwriting and Transmittal Summary but exceeds the guideline maximum 48% DTI, causing the loan to waterfall through the QM Testing. DTI. Borrower total debt $XXXX = DTI XX% | SELLER - GENERAL COMMENT (XX/XX/XXXX): Attached exception approval for DTI<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide exception and approval stating the exception for DTI.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): UPLOADED EXCEPTION AGAIN WHICH SHOWS YES FOR DTI AND COMPENSATING FACTOR OF 5 WHICH IS BANK RELATIONSHIP. SCREENSHOT OF EXCEPTION APPROVAL ON LOAN ORIGINATION SYSTEM HAS BEEN ACCEPTABLE<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines: General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% moderately exceeds the guideline maximum of 48.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Federal Compliance - General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines: Calculated DTI: XX% exceeds guideline limit of 48% but matches approved DTI on 1008 Loan Underwriting and Transmittal Summary. DTI. Borrower total debt $XXXX = DTI XX% | SELLER - GENERAL COMMENT (XX/XX/XXXX): Attached exception approval for DTI<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide exception and approval stating the exception for DTI.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): UPLOADED EXCEPTION AGAIN WHICH SHOWS YES FOR DTI AND COMPENSATING FACTOR OF 5 WHICH IS BANK RELATIONSHIP. SCREENSHOT OF EXCEPTION APPROVAL ON LOAN ORIGINATION SYSTEM HAS BEEN ACCEPTABLE<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10148 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met | Minimum tradeline requirements not met. Only 1 tradeline provided, 3 are required as per guidelines. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached exception approval and vor<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender Exception with Compensating Factors provided. Downgraded and Waived. | 1 |  |  |  | 3 | [3] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XX/XX/XXXX, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $4,259.90 may be required.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/XX/XXXX) | Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: No Loan Estimates provided.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  | Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10149 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | The file was missing a copy of the E-sign Consent Agreement. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10150 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Appraisal Documentation - Subject Property is greater than 10 acres. | DTI exceeds the guideline maximum allowable of 43%. Data being used in calculations. Income :$XXXX, subject mortgage P&I :$XXXX, Total other debts:$XXXX, Hazard $XXXX, Taxes$XXXX, and HOA $XXXX. DTI discrepancy due to borrower getting other income $XXXX however, no acceptable documentation has been provided to verify this income and XXXX property expenses not included into DTI.<br> Waterfall due to missing Most recent tax transcripts, Most recent signed, dated 1040s, XXXXted YTD P&L and Most recent signed, dated 1065 returns.<br> Per guidelines, site cannot exceed 10 acres. Detached condo is on XX acres per trailing 1073. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Income was Asset Depletion from XXXX. Provided Statements and 1008 indicates calculation the UW used. All REO debt has been included in the ratios. XXXXdebt excluded to XXXX XXXX being sold. XXXX debt being paid by the business.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Asset depletion income not included in eligible income types per guidelines.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): please see attached asset depletion addition to the classic premier guidelines from XXXX XXXX - this was an addendum adding to the guidelines. apologies for it not being included initially<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Guidelines provided at time of review are dated XX/XX/XXXX, asset depletion not listed as income source, exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Income was Asset Depletion from XXXX. Provided Statements and 1008 indicates calculation the UW used. All REO debt has been included in the ratios. XXXXdebt excluded to Motor Home being sold. XXXX debt being paid by the business. Schedule C income so included all personal Returns<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Asset depletion income not included in eligible income types per guidelines.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): please see attached asset depletion addition to the classic premier guidelines from XXXX XXXX - this was an addendum adding to the guidelines. apologies for it not being included initially<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Guidelines provided at time of review are dated XX/XX/XXXX, asset depletion not listed as income source, exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): the entire condo project that consists of XXXX detached homes is on XXXX acres not just our property<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Appraisal reflects XXXX acres, exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM. |  | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10151 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. |  | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10152 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Safe Harbor QM (APOR) | 3 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insurance coverage is insufficient by $XXXX based on loan amount, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 17,625.41 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $155.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: The provided Closing Disclosure subsequent changes test does not match the loan terms.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: The Closing Disclosure terms and product do not match the Note. The Closing Disclosure should reflect the Note terms.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Estimated property cost over year 1 of $17,625.41 on the Final Closing Disclosure is over-disclosed.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10153 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.<br> [2] Income Documentation - REO Documents are missing.: Address: XXXX HOA Verification | Insurance coverage is insufficient by $XXXX based on loan amount; there was no evidence of extended coverage or insurer's estimate of replacement cost provided.<br> HELOC statement and HOA verification is missing for property XXXX. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: HOA Verification, Statement<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached reo docs<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Documenation to verify the HOA expense for the N Creek property is not located in the file.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Initial Closing Disclosures were not provided.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10154 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | DTI is 45% within the guidelines, and the lender approved the loan at XX%. File is missing lender granted exception with compensating factor. | SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED APPROVAL EMAIL OF DTI EXCEPTION WITH COMPENSATING FACTORS INCLUDED<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender approved exception is in the file.<br> REVIEWER - RE-GRADED COMMENT (XX/XX/XXXX): comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,250.00 exceeds tolerance of $65.00 plus 10% or $71.50. $2,178.50 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $48.70 exceeds tolerance of $34.00. $14.70 over legal limit. Insufficient or no cure was provided to the borrower. (7520)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $475.00. $375.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [2] Federal Compliance - General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines: General QM: The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(e) of XX% moderately exceed the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure was not provided to the borrower within three days of application.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. The total amount of $2,250.00 exceeds the tolerance of $65.00 plus 10% or $71.50. $2,178.50 is over the legal limit. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Fee. The fee amount of $48.70 exceeds the tolerance of $34.00. $14.70 is over the legal limit. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Fee. The fee amount of $850.00 exceeds the tolerance of $475.00. $375.00 is over the legal limit. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines: DTI is 45% within the guidelines, and the lender approved the loan at XX%. DTI is 45% within the guidelines, and the lender approved the loan at XX%. File is missing lender granted exception with compensating factor. | SELLER - GENERAL COMMENT (XX/XX/XXXX): exception approval uploaded<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender approved exception in the file.<br> REVIEWER - RE-GRADED COMMENT (XX/XX/XXXX): comp factors used to waive exception | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10155 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,940.05 exceeds tolerance of $-2,109.00. Insufficient or no cure was provided to the borrower. (9300)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Timing: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application.<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Missing Initial 1003, and source application date is missing.<br> Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Lender Credits Fee was last disclosed as $-2,109.00 on LE but disclosed as $-1,940.05 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Restated.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing receipt of XX/XX/XXXX report; receipt of earlier report was provided.<br> State Compliance - Michigan CMPA Home Loan Toolkit Timing: .<br> Federal Compliance - Missing Initial Loan Application Testing: Initial credit application/initial 1003 was not provided. Unable to verify application date.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Initial credit application/initial 1003 was not provided. Unable to verify application date. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10157 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3143160)<br> [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3143159)<br> [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3143158)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-3,785.00. Insufficient or no cure was provided to the borrower. (9300)<br> [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $132.00 exceeds tolerance of $115.00 plus 10% or $126.50. $5.50 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $45.90 exceeds tolerance of $44.00. $1.90 over legal limit. Insufficient or no cure was provided to the borrower. (7520)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $XXXX. $75.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXX/Lee/17127940) | Federal Compliance - ARM Disclosure Timing Test: ARM Disclosure provided XX/XX/XXXX was not within 3 days of application XX/XX/XXXX.<br> Federal Compliance - CHARM Booklet Disclosure Timing: CHARM Booklet provided XX/XX/XXXX was not within 3 days of application XX/XX/XXXX.<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan<br> Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: The estimated escrow payment does not include the monthly MI payment.<br> Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: 0% tolerance was decreased by $3,785.00 due to decrease of Lender Credits. No valid COC provided.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Recording Fee Total Fee were increased on XX/XX/XXXX Closing Disclosure and again on XX/XX/XXXX Closing Disclosure with no valid change evident.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Report Fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Waterfall due to missing verification of 2 years employment history. Borrower has been on the current job for less than 8 months. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10158 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10159 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 17,565.12 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Adjustable Payment Table (AP) disclosed subsequent changes indicate (1) year payments that do not match the actual terms of the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: The calculated product is 12-month interest only, adjustable rate disclosed on closing disclosure is (1) year interest only, 11/6 adjustable rate. The (12) months period is for construction.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Total Amount of Estimated Property Costs over Year 1 is $17,565.12. First year is construction term.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10161 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10163 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Data not provided on the closing disclosure<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: As per the final closing disclosure first 10 years payment will be Principal and interest only. |  | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10165 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $XXXXProvide updated policy reflecting minimum coverage of $XXXX or provide copy of insurer's replacement cost estimate supporting current coverage amount. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Current balance of loan is $XXXX which is covered by insurance amount of $XXXX. Insurance has 'replacement cost' coverage<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide email from insurer stating replacement cost covers 100% of replacement cost estimate.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 14,764.64 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Loan in Constructions Purchase loan with interest only.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Loan in Constructions Purchase loan with interest only.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan in Constructions Purchase loan with interest only.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10166 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10167 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document E-Sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Electronic Consent is not provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal completed "Subject to Completion"; no 442 or other evidence provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): No inspection performed or final COO obtained.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on XX/XX/XXXX disclosed a product that does not match the actual product for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: Final Closing Disclosure provided on XX/XX/XXXX did not disclose estimated property costs over Year 1 for a loan with no escrow account established.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing evidence of XX/XX/XXXX appraisal report.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B C |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10169 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Credit Documentation - No evidence of fraud report in file.: Credit Report: Original // Borrower: XXXX<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing electronic consent.<br> Employment verification was missing.Lease agreement and XXXX 1040 not provided.<br> Fraud report not provided.<br> Employment verification was missing.<br> This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on alternate pre-closing documentation used to verify employment.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment (Maximum) for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/3194595)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision EmploymenXX/XX/XXXX Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (Ruben,Laurence Plaza Properties, Inc./Wages)<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to NonQM<br> Federal Compliance - General Ability To Repay Provision EmploymenXX/XX/XXXX Waterfall exception due to missing verification of employment.<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Waterfall exception due to Employment verification was missing.Lease agreement and XXXX 1040 not provided.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Waterfall exception due to missing verification of employment.Lease agreement and XXXX 1040 not provided. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on alternate pre-closing documentation used to verify employment.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on alternate pre-closing documentation used to verify employment.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on alternate pre-closing documentation used to verify employment.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - General Ability To Repay Provision EmploymenXX/XX/XXXX Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10170 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: Final Closing Disclosure provided on XX/XX/XXXX did not disclose a reason for not having an escrow account on page 4.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10171 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Notice of Right to Cancel Missing: Disclosure missing from the file.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10172 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing: FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | SELLER - GENERAL COMMENT (XX/XX/XXXX): TRID Initial Closing Disclosure Timing without Waiver Test<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC: Copy of initial CD is missing in file. Please provide CD received by borrower at least 3 business days prior to the consummation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Notice of Special Flood Hazard Disclosure is not signed by the borrower. Exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Missing Document: Missing Lender's Initial 1003<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Received Final 1003, Lender's Initial 1003 is missing in file. Exception remains.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): (Missing Data) Last Rate Set Date<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Initial rate lock date is missing. Exception remains. | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing: Liability for violations cannot be transferred to a subsequent purchaser of a loan. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10173 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Missing Acknowledgement of Receipt of Home Mortgage Loan Information Document. |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10174 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. $4.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. $4.40 over legal limit. Insufficient or no cure was provided to the borrower. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10175 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129858)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 8,790.65 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: The lender did not consider the whole loan but only the permanent phase when disclosing the terms.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: The lender did not consider the whole loan but only the permanent phase when disclosing the terms.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: The lender did not consider the whole loan but only the permanent phase when disclosing the terms.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: The lender did not consider the whole loan but only the permanent phase when disclosing the terms.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Estimated property costs over 1 year are overdisclosed.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee amount of $750.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at closing. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10177 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10180 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:842XX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10181 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Document Error - Borrower(s) is not a U.S. citizen, and the guideline required documentation was not provided.: Borrower: XXXX | Per final 1003, co-borrower is permanent resident alien however borrower permanent resident card was not provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 2 | [2] Appraisal Reconciliation - Appraisal is required to be in name of Lender: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal Transfer Letter is missing. |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: The updated Appraisal report dated XX/XX/XXXX is missing evidence of borrower receipt<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10182 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of borrower receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10184 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing evidence of E-Sign Consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $8.00 exceeds tolerance of $0.00. $8.00 over legal limit. Insufficient or no cure was provided to the borrower. (77181)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - TRID Loan Estimate Timing: Loan Estimate dated XX/XX/XXXX was not delivered within 3 business days of application.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title - Recording Service Fee increased from $0.00 to $8.00 without a valid change of circumstance.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Verification appraisal delivered to the borrower was not provided in the loan file.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Initial loan credit application/1003 was not provided. Unable to confirm the application date due to missing source documents.<br> Federal Compliance - Missing Initial Loan Application Testing: Initial loan credit application/1003 was not provided. Unable to confirm the application date due to missing source documents.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to a missing Initial Loan Application Date. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10185 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3132787)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 20,132.86 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,825.00 exceeds tolerance of $1,725.00. Sufficient or excess cure was provided to the borrower at Closing. (7334) | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: Loan is a ARM interest only loan and the final CD AP table does not specify the first change/Amount value and subsequent changes value due to which multiple exceptions are getting triggered.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: P&I is not same due to first 12 month is interest only payment.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: P&I is not same due to first 12 month is interest only payment.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Loan is a ARM interest only loan and the final CD AP table does not specify the first change/Amount value and subsequent changes value due to which multiple exceptions are getting triggered.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Loan is a ARM interest only loan and the final CD AP table does not specify the first change/Amount value and subsequent changes value due to which multiple exceptions are getting triggered.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: P&I is not same due to first 12 month is interest only payment. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10186 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Initial Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10187 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10188 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): vor not required. listed on credit report<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. Final 1003 states borrower was renting primary residence. VOR required<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $130.40 exceeds tolerance of $0.00. $130.40 over legal limit. Insufficient or no cure was provided to the borrower. (7200)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $0.00. $850.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Final Closing Disclosure is required to be sent to the borrower within 3 business days prior to closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: LE disclosed discount points a 866 the final CD disclosed it at $130.40<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal fee was disclosed on LE for $515, however changed to $850 on the CD.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Creditor did not provide the List of Homeownership Counseling Organizations to the borrower. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10192 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] General - The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio.: Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | Bank statements from XXXX to support Asset Depletion and Distributions are missing. Without the Asset Depletion income, the DTI is XX% and out of tolerance. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | 3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | 442 - Certificate of completion not provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED FINAL INSPECTION<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A final inspection/442 must be completed by an appraiser. | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 11,346.72 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.<br> [3] Federal Compliance - TRID Post Close Closing Disclosure Timing Irregular Transactions: TILA-RESPA Integrated Disclosure – Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure.<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $1,695.00 exceeds tolerance of $695.00. $1,000.00 over legal limit. Insufficient or no cure was provided to the borrower. (7355)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> Federal Compliance - Notice of Right to Cancel Missing: Notice of Right to Cancel was not provided.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan<br> Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Administrative Fee was last disclosed as $695.00 on the Loan Estimate but disclosed as $1,695.00 on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence that borrower received a copy of appraisal at least 3 business days to closing.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Post Close Closing Disclosure Timing Irregular Transactions: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B C |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10194 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $92.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal datedXX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Total amount of $92.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10195 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED. XXXX TO REVIEW/WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $0.00. $850.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $767.04 exceeds tolerance of $0.00. $767.04 over legal limit. Insufficient or no cure was provided to the borrower. (7200)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Waterfall finding due to missing Initial loan application.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee increased to $850.00 on the Closing Disclosure XX/XX/XXXX. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points increased to $767.04 on the Closing Disclosure XX/XX/XXXX. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Waterfall due to missing initial loan application. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10196 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10197 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10198 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Application / Processing - 1003/Declarations C. indicates borrower is borrowing money for this transaction. The borrowed funds are not documented and/or do not meet guideline requirements.: Borrower: XXXX, Borrower: XXXX<br> [2] Application / Processing - 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements.: Borrower: XXXX, Borrower: XXXX<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Borrowers disclosed on final application they are borrowing money that is not on application. Corrected 1003 required.<br> Borrowers disclosed on final application they co-signed or are guarantor on additional debt or loan that is not on application. Corrected 1003 required.<br> Missing electronic consent. | SELLER - GENERAL COMMENT (XX/XX/XXXX): 1003 was not incorrect however based on the assets the borrower had, request for documentation of the$XXXX was not requested. LOB did not do a Bridge Loan however possible another lender did. Previous owned home sold 1 month after closing.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, unable to verify whether Borrowers co-signed or guaranteed on any additional debt from any other lender.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): 1003 was not incorrect however based on the assets the borrower had, request for documentation of the$XXXX was not requested. LOB did not do a Bridge Loan however possible another lender did. Previous owned home sold 1 month after closing.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, unable to verify whether Borrowers co-signed or guaranteed on any additional debt from any other lender.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Loan over 4 years seasoned past statute of limitations. Exception should be downgraded to non material.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Seller comment - Loan over 4 years seasoned past statute of limitations. Exception should be downgraded to non material.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $795.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10199 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment Period: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Interest Only Payments Period. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Loan Term: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Loan Term that does not match the actual loan term for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3129788)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129787) | Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan.<br> Federal Compliance - TRID Final Closing Disclosure AP Table First Change Test: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment Period: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Interest Only Payments Period.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Loan Term: General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Loan Term that does not match the actual loan term for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest: Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table First Change Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment Period: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Loan Term: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10200 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $537,792.89 is under disclosed by $41,694.92 compared to the calculated Finance Charge of $579,487.81 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,148,694.59 is under disclosed by $42,074.92 compared to the calculated total of payments of $1,190,769.51 which exceeds the $100.00 threshold. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 in the amount of $537,792.89, which is under-disclosed by $41,694.92 compared to the calculated Finance Charge of $579,487.81.<br> Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: Non-Escrowed Property Costs over Year 1 on Final Closing Disclosure provided on XX/XX/XXXX are under-disclosed.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on XX/XX/XXXX disclosed a product that does not match the actual product for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5. The disclosed Total of Payments in the amount of $1,148,694.59 is under-disclosed by $42,074.92 compared to the calculated total of payments of $1,190,769.51. |  | Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10202 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10203 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN IS OVER 3 YEARS SEASONED. XXXX TO REVIEW/DOWNGRADE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $125.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: Final Closing Disclosure page four (4) indicated the file would not have an escrow account but did not select if the borrower declined or lender did not offer.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10204 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: TILA-RESPA Integrated Disclosure - Loan Calculations: APR ofXX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR ofXX% outside ofXX% tolerance. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $547,957.24 is under disclosed by $177,410.80 compared to the calculated Finance Charge of $725,368.04 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,143,466.94 is under disclosed by $177,410.80 compared to the calculated total of payments of $1,320,877.74 which exceeds the $100.00 threshold. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $6,376.90 exceeds tolerance of $6,355.00. $21.90 over legal limit. Insufficient or no cure was provided to the borrower. (8304)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $495.00 exceeds tolerance of $450.00. $45.00 over legal limit. Insufficient or no cure was provided to the borrower. (75215)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $675.00 exceeds tolerance of $0.00. $675.00 over legal limit. Insufficient or no cure was provided to the borrower. (7507) | Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: The index type listed on the Note and the Final Closing Disclosure reflects SoFi 30-Day Average. The lowest index rate for this program isXX%. The Approval reflects the index asXX%.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: The index type listed on the Note and the Final Closing Disclosure reflects SoFi 30-Day Average. The lowest index rate for this program isXX%. The Approval reflects the index asXX%.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Under-disclosure was resolved on post-closing Disclosure XX/XX/XXXX; however, Letter of Explanation, Proof of Delivery, and Refund check for the under-disclosed equivalent amount were not provided to complete the cure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Transfer tax fee increased and exceeded tolerance on XX/XX/XXXX Closing Disclosure. A cure of $45.00 was not sufficient for all three tolerance violations.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: HOA fee increased on XX/XX/XXXX Closing Disclosure with no change evident. A cure of $45.00 was not sufficient for all three tolerance violations.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Second appraisal fee was added on closing disclosure issued XX/XX/XXXX, with no valid change evident. |  | Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10206 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $445.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10207 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [3] Federal Compliance - TILA NMLSR - Originator Company License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Loan designation updated to "small creditor" on 05/01<br> Federal Compliance - TILA NMLSR - Originator Company License Status Not Approved: Loan designation updated to "small creditor" on 05/01<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Loan designation updated to "small creditor" on 05/01<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Loan designation updated to "small creditor" on 05/01 | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10208 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met. | Missing electronic consent.<br> Missing 1040 for year XXXX is missing for S-Corp income. Self-employed income documentation not sufficient | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client agrees. XXXX TO waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Extension for XXXX was not requested however UW provided rationale. XXXX taxes were not due yet due to covid extension. P&L through XXXX XXXX was in the file.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XX/XX/XXXX)<br> [2] Federal Compliance - General Ability To Repay Provision Income and Assets - S-Corp: Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. (XXXX/S-Corp)<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Timing: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 | Federal Compliance - CHARM Booklet Disclosure Timing: CHARM Booklet provided XX./XX/XXXX was not within 3 days of the application XX/XX/XXXX.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM.<br> Federal Compliance - General Ability To Repay Provision Income and Assets - S-Corp: Waterfall due to missing 1040 tax return for year XXXX.<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Loan designation updated to "small creditor" on XXXX<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: The loan defaulted to standard ATR requirements due to the business tax returns not being signed and dated. The exception will be cleared when the loan meets all ATR requirements.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Missing 1040 for year XXXX is missing for S-Corp income. Self-employed income documentation not sufficient<br> State Compliance - Michigan CMPA Home Loan Toolkit Timing: Missing evidence of earlier receipt. | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TAX FILING WAS EXTENDED TO MAY DUE TO COVID. XXXX TAXES WERE NOT DUE YET.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Lease agreement not required because Schedule E was used to document rent and income. Extension for XXXX was not requested however UW provided rationale.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan defaulted to standard ATR requirements due to the business tax returns not being signed and dated. The exception will be cleared when the loan meets all ATR requirements.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Extension for XXXX was not requested however UW provided rationale. XXXX taxes were not due yet due to covid extension. P&L through XXXX XXXX was in the file.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - General Ability To Repay Provision Income and Assets - S-Corp: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10211 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met. | Waterfall due to missing third-party verification dated within 120 calendar days of borrower's self-employment with XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): No verbal however provided memo concerning this as COVID impacted business. Although not mentioned, it falls into the same category as it was a restaurant.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): For COVID requirements, verification that business was open and active was required within 10 business days prior to the note date. This was not provided in file.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal dated XX/XX/XXXX missing the evidence of appraisal receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10212 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX. | Waterfall due to insufficient asset for required reserve of 6 months.<br> Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Agree, short on reserves. Compensating factors - Loan is seasoned over 5 years. Shorter term at 15 years lowering rate with this refi. Excellent credit.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Insufficient asset to cover reserves required. Exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): From lender, Business assets being provided to make up for the difference in reserves.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Business assets already added and funds for reserves are still short.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Agree, short on reserves. Compensating factors - Loan is seasoned over 5 years. Shorter term at 15 years lowering rate with this refi. Excellent credit.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Insufficient asset to cover reserves required. Exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): From lender, Business assets being provided to make up for the difference in reserves.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Business assets already added and funds for reserves are still short.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Timing: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> State Compliance - Michigan CMPA Home Loan Toolkit Timing: Missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: . | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10213 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met. | E-sign Consent Agreement is not provided.<br> Missing LOE or school transcript for date XX/XX/XXXX and XX/XX/XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN IS OVER 3 YEARS SEASONED. XXXX TO WAIVE/REVIEW<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED DIPLOMA FROM BORROWER GRADUATING SCHOOL. SHE GRADUATED SCHOOL IN XXXX AND STARTED WORK IN XXXX. I DON'T SEE WHY A LOE WOULD BE NEEDED FOR THIS? BUT WILL REQUEST IF XXXREQUIRED IT. ALSO THE GAP BETWEEN BORROWERS JOB STARTED IN XXXX AND NEW JOB IN XXXX IS ONLY 10 DAYS SO A LOE WOULD NOT BE NEEDED XX/XX/XXXXXX/XX/XXXX)<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide gap of employment LOE.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Lender did not require a LOE for the short gap after borrower graduated college. Loan is over 5 years seasoned now.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Appendix Q requires a LOE for any gaps greater than 30 days.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Lender did not obtain a gap letter after borrower graduated college and started first job. XXXX TO review<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Seller requests buyer review: Lender did not obtain a gap letter after borrower graduated college and started first job<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Status Test: ARM Disclosure is not provided.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10214 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10215 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10216 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement was not found in file. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Copy of Appraisal not provided 3 business days prior to consummation.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10217 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $585,055.18 is over disclosed by $395.00 compared to the calculated Amount Financed of $584,660.18 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $532,092.93 is under disclosed by $20,627.22 compared to the calculated Finance Charge of $552,720.15 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,121,879.68 is under disclosed by $20,232.22 compared to the calculated total of payments of $1,142,111.90 which exceeds the $100.00 threshold. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $0.00. $395.00 over legal limit. Insufficient or no cure was provided to the borrower. (75215)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $210.00 exceeds tolerance of $0.00. $210.00 over legal limit. Insufficient or no cure was provided to the borrower. (7723)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $475.00. $375.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Disclosure reflects Amount Finance of $585,055.18 but calculated Amount Finance of $584,660.18. Variance $395.00. Lender to provide corrected Closing Disclosure and copy of letter sent to borrower explaining changes.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosure reflects Finance Charge of $585,055.18 but calculated Finance Charge of $584,660.18. Variance = $395.00. Lender to provide corrected Closing Disclosure and copy of letter sent to borrower explaining changes.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,121,879.68 is under-disclosed by $20,232.22 compared to the calculated total of payments of $1,142,111.90, which exceeds the $100.00 threshold.<br> Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Loan Estimate delivered XX/XX/XXXX but e-signed on XX/XX/XXXX was not delivered or placed in the mail to Borrower(s) within three (3) business days of application.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: HOA condo Fee added XX/XX/XXXX with no valid change evident.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Survey Fee $210.00 was added on Closing Disclosure XX/XX/XXXX. File does not contain a valid COC for this fee, nor evidence of cure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee $850.00 increased on Closing Disclosure XX/XX/XXXX. File does not contain a valid COC for this fee, nor evidence of cure.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Loan Estimate not within 3 days of XX/XX/XXXX application.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10218 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Construction-Permanent | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Income Documentation - Income documentation requirements not met.<br> [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Waterfall issue due to the 1120s for XXXX and XXXX are not signed and dated, The P&L Statement and Balance Sheets are missing for XXXX and XXXX. Using 2 Year + YTD Average Income.<br> Insurance coverage is insufficient by $XXXX based on appraisal value; there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): all docs uploaded in prior exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide balance sheets.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 15,299.35 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: The Hazard Insurance monthly amount is $91.92 and Taxes at $1,296.43 for a monthly total of $1,388.35 or annual amount of $16,660.20. The Closing Disclosure issued on XX/XX/XXXX reflects estimate property costs over year 1 as $15,299.35.<br> Federal Compliance - TRID Loan Estimate Timing: Application date is XX/XX/XXXX, earliest Loan Estimate in file is XX/XX/XXXX.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing appraisal delivery<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10219 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | SELLER - GENERAL COMMENT (XX/XX/XXXX): loan is past SOL in which this would be needed for timing. all closing docs were hand signed.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Initial CD electronically signed, exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): TIMING OF THE INITIAL CD IS PAST THE SOL. XXXX TO REVIEW<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Status: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet, not provided to the borrower.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX was received XX/XX/XXXX with Note date of XX/XX/XXXX missing evidence of waiver.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10222 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX. | Assets being used totals $XXXX, including the earnest money of $XXXX. Funds to close, including fee paid outside of closing total $XXXX. Available remaining balance for reserves is $XXXX. Per guides, 8 months is required, requiring $XXXX. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Borrower has verified disposable income of at least $XXXX. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - ARM Disclosure Timing Test: ARM disclosure was provided within three (3) days of application due to missing information.<br> Federal Compliance - CHARM Booklet Disclosure Timing: Missing application date<br> Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Missing evidence of application date.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Missing initial CD.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Restated<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XXXX missing evidence of receipt.<br> Federal Compliance - Missing Initial Loan Application Testing: Missing application date<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Missing evidence of application date. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10223 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure not provided to the borrower within three days of application.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10224 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 2 | [2] Missing Document E-Sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Loan File - Missing Document: Hazard Insurance Policy not provided | Lender used higher premium, per approval annual insurance is $XXX. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX |  | SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED FINAL INSPECTION<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A final inspection/442 must be completed by an appraiser. | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129781)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: Final Closing Disclosure disclosed a principal and interest payment that does not match the actual payment.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: Final Closing Disclosure did not disclose estimated property costs.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: Final Closing Disclosure incorrectly disclosed whether the loan will have escrow or not. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B C |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10225 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: New exception generated. Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10226 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Loan restated Small Creditor Portfolio Originations Safe Harbor QM<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Loan restated Small Creditor Portfolio Originations Safe Harbor QM | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10227 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10228 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Initial credit application/initial 1003 was not provided. Unable to verify the application date.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing appraisal delivery within 3 days of closing.<br> Federal Compliance - Missing Initial Loan Application Testing: Initial credit application/initial 1003 was not provided. Unable to verify the application date.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Loan designation updated to "small creditor" on XX/XX/XXXX<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Missing application date | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10229 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Missing electronic consent.<br> HOI coverage is insufficient by $XXXX. Provide updated policy or provide copy of insurer's replacement cost estimate supporting current coverage amount. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10230 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (Final/XX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 16,199.64 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (Final/XX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10231 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Guideline Issue - Borrower has been on current job less than 2 years, and prior employment history was not documented as required.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Income Documentation - Income documentation requirements not met. | Borrower has been on current job less than 2 years, and prior employment history was not documented as required.<br> Waterfall due to 2 years for employment history is not provided for borrower | SELLER - GENERAL COMMENT (XX/XX/XXXX): credit report, 1008, and assets uploaded. lender Obtained W2 for prior employer. No prior VOE obtained as the income was lower and reliance was primarily made on the new employer.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A two-year employment history is required per guidelines.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): w2 for prior work history was uploaded for documentation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide updated 1003 reflecting previous employment with start and end dates.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): credit report, 1008, and assets uploaded. lender Obtained W2 for prior employer. No prior VOE obtained as the income was lower and reliance was primarily made on the new employer.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Guidelines require two-year employment history.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attaching w2s used to document prior income history<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide updated 1003 reflecting previous employment with start and end dates.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Only Closing Disclosure in file is datedXX/XX/XXXX with closing date ofXX/XX/XXXXand disbursement date ofXX/XX/XXXX.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence the Borrowers received the appraisal at least three business days prior to closing is missing.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10232 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10233 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $589,481.74 is over disclosed by $1,510.90 compared to the calculated Amount Financed of $587,970.84 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $285,207.00 is under disclosed by $1,510.90 compared to the calculated Finance Charge of $286,717.90 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (FinXX/XX/XXXX)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $475.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $589,481.74 is over disclosed by $1,510.90 compared to the calculated Amount Financed of $587,970.84 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX).<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $285,207.00 is under disclosed by $1,510.90 compared to the calculated Finance Charge of $286,717.90 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX).<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest will be $0 in 16 years which does not match the actual maximum amount for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest will be $0 in 16 years which does not match the actual maximum amount for the loan.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $475.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10234 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 27,534.43 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Missing the initial application date.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: As per Closing Disclosure, the program is fixed rate, but as per note, the interest-only period is only the construction period.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: As per Closing Disclosure, the program is fixed rate, but as per note, the interest-only period is only the construction period.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence that borrower received a copy of appraisal at least 3 business days to closing.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Missing for both borrowers.<br> Federal Compliance - Missing Initial Loan Application Testing: Initial Credit application date is missing.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Total amount of $75.00 exceeds tolerance of $71.50. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10235 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Per guideline, max LTV is 85%. Per approval, loan was approved with XX% LTV; however, a lender-approved exception was provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Exception approved via the Bank's Consumer Loan Committee.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing lender exception and compensating factors in file.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Only have approval that was provided. Loan is over 4 years seasoned and paid down below 85% now<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Provide an approved lender exception.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:842XX/XX/XXXX)<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - Payoff Statement Missing: Payoff statement is missing.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10236 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10237 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10238 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Document Error - Borrower(s) is not a U.S. citizen, and the guideline required documentation was not provided.: Borrower: XXXX<br> [2] General - Missing Document: Verification of Non-US citizen Status not provided | Borrower is not a US citizen. As per guidelines, required passport, visa, and employer authorization documents were not provided.<br> Verification of non-US citizen status was not provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Seller requests buyer review: lender unable to provide the green card docs<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Per seller - lender unable to provide<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): lender unable to provide<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Per seller - lender unable to provide<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10239 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Missing application date. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10240 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided | Missing the executed purchase agreement an all addenda | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Loan Estimate Timing: Loan Estimate documentation delivery acknowledgement states date of initial LE being issuedXX/XX/XXXX which is missing from the file<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Appraisal effective date isXX/XX/XXXX and report date isXX/XX/XXXX. The date the appraisal was sent to the borrower isXX/XX/XXXX.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Loan designation updated to "small creditor" on 05/01 | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10242 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 2 | [2] Closing / Title - Missing Document: Rider - PUD not provided |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $545.00 exceeds tolerance of $465.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: The final Closing Disclosure issued onXX/XX/XXXX2 does not reflect the non-escrowed property cost on page 4,<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Fee on closing disclosure is $545.00 and on loan estimate $465.00. No Valid Change circumstance in file. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10243 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129852)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 12,343.65 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,498.00 exceeds tolerance of $2,756.00. $742.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: The Closing Disclosure on page 4 reflects every payment as a subsequent change.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: As per the Note calculation P&I is reflecting as $XXX however Closing Disclosure reflects $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Closing Disclosure reflects 1 year Interest Only, 6/6 months Adjustable Rate.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Closing Disclosure reflects 12 Month Interest Only, Adjustable Rate however 1 Year Interest Only, Adjustable Rate.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: There is a slight difference on Hazard Insurance calculated Insurance is $144.04; however, 1008 reflects $148.46.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points was last disclosed as $2,756.00 on Loan Estimate but disclosed as $3,498.00 on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10244 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $0.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Transfer Tax was disclosed on initial Loan estimate as $0.00 but disclosed on final Closing Disclosure $0.50. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10245 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether Homeowners Insurance is included in escrow. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: Page 1 of CD indicates no insurance escrow, and page 2 does not include escrows collected for hazard insurance.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10247 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Safe Harbor QM (APOR) | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Approval reflects DTI 56.63%, which restricts the guideline requirement of 45%. There is no lender-approved exception for higher DTI approval in file. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached exception approval for DTI<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The screen shot provided is not legible. Missing the exception request and approval with valid compensating factors<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Disagree that it is not legible. Perhaps zooming in may help but I can read without zooming on the screenshot. It says 'yes' for exception box for DTI exception as well as rate exception. CF/compensating factor is 8 which from the table is temporary situation and comments state short term payment rent during construction. This exception is straight from their origination system under portfolio exception tracking.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Zoomed in. This is not valid, it is not legible.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): uploading to docacuity to view 5/11<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - RE-GRADED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Comp factors were used to waive the DTI and allow for Safe Harbor APOR. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3133407)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (FinXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines: General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $278.00 exceeds tolerance of $225.00 plus 10% or $247.50. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $0.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period.<br> Federal Compliance - General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines: Approval reflects DTI 56.63%, which restricts the guideline requirement of 45%. | SELLER - GENERAL COMMENT (XX/XX/XXXX): dti exception approval uploaded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The screen shot provided is not legible. Missing the exception request and approval with valid compensating factors<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Disagree that it is not legible. Perhaps zooming in may help but I can read without zooming on the screenshot. It says 'yes' for exception box for DTI exception as well as rate exception. CF/compensating factor is 8 which from the table is temporary situation and comments state short term payment rent during construction. This exception is straight from their origination system under portfolio exception tracking.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Zoomed in. This is not valid, it is not legible.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): uploading to docacuity to view 5/11<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - RE-GRADED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Comp factors were used to waive the DTI and allow for Safe Harbor APOR.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10248 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Income Documentation - Income documentation requirements not met. | Waterfall due to missing 2 years signed and dated Tax Returns and/or Profit & Loss statement are not provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Attached personal returns and transcripts...the transcripts are an acceptable alternative to signatures..asking lender on the p&l<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX to XXXX YTD Profit & Loss statement was no provided.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, No P and L obtained. Was not requested by the underwriter<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is being tested accordance with Appendix Q. Per Appendix Q Self-employed consumers must provide most recent YTD quarterly P&L Statement (if 1040s are > 90 days old at application).<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal completed ""subject to completion"", no 442 or other evidence provided." | SELLER - GENERAL COMMENT (XX/XX/XXXX): No inspection performed or final COO obtained. Borrowers were living in home while remodel was taking place. Provided final draw and commentary from borrower that home passed inspection however this is not satisfactory but our CTP department confirmed no additional documents.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client confirms that no additional docs to be provided. Exception to remain open | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 13,978.36 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure Product Testing: Loan product is "12 Month Interest Only, Adjustable Rate" and Closing Disclosure is reflecting "1 Year Interest Only, 11/1 Adjustable Rate".<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Final Closing Disclosure Estimated Property Costs over Year 1 of 13,978.36 whereas calculated Non- Escrow Amount is $1,270.76.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B C |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10249 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10250 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Loan is over 3 years seasoned past statute of limitations. Exception should be non material.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing the electronic consent for this transaction, grade 3 level exception<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review/waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Client redesignated loan to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10251 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10252 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [3] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $3,931.00 may be required.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure not provided to the borrower.<br> Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) not provided to the borrower.<br> Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Initial Closing Disclosure was not provided to borrower at least three business days prior to closing. Only a final Closing Disclosure was provided.<br> Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: No Loan Estimates provided.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: Missing evidence of receipt of the right to receive a copy of the appraisal disclosure and initial loan estimate.<br> Federal Compliance - FACTA Disclosure Missing: Missing a credit report for both borrowers.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Missing initial lender's 1003.<br> Federal Compliance - Missing Initial Loan Application Testing: Missing evidence of initial creditor application date. Compliance tests were run using an application date of XX/XX/XXXX, which is 1 month prior to consummation.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List was not provided. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>Effective XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10254 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal completed "subject to completion", no 442 or other evidence provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED FINAL INSPECTION<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A final inspection/442 must be completed by an appraiser. | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3133355)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 8,066.63 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: Principal & Interest on year 1 in final Closing Disclosure does not match the calculated Principal & Interest of $590.28.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure product 1 year only, 8/1 Adjustable rate does not match the calculated product of 12 months interest only, Adjustable Rate.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Principal & Interest on year 1 in final Closing Disclosure does not match the calculated Principal & Interest of $590.28.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Final Closing Disclosure page 1 reflects $733.33 Estimated Taxes, Insurance & Assessments, which is more than the calculated value of $657.83. |  | Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B C |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10255 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Credit Report Fee $63.00 changed to $67.40. File does not contain a valid COC for this fee, nor evidence of cure. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10256 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. |  |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10257 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure not provided to the borrower.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10258 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met. | Missing electronic consent.<br> Missing a Verbal Verification of Self-Employment and/or business existence within ten days of closing | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO waive/review<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): SELF EMPLOYED. 3RD PARTY WITHIN 30 DAYS UPLOADED. 10 DAY IS NOT REQUIRED ON SELF EMPLOYED BORROWERS<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per guidelines provided at review for self employment " Verbal Verification of Employment and/or business existence within ten days of closing."<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): LENDER ONLY HAS THE VOE FROM XXXX WHICH IS WITHIN 30 DAYS MEETING APPENDIX Q BUT NOT THE LENDER'S GUIDE OF 10 DAYS. NO EXCEPTION MADE. VOE WITHIN 30 DAYS WAS ACCEPTABLE TO THEM AND MET APPENDIX Q. XXXX TO REVIEW<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VOE not within guideline time frame. exception to remain open<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $760.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM.<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Re-stated to Non-QM<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Re-stated to Non-QM | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10259 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED. XXXX TO WAIVE/REVIEW<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing at time of application, XXXX TO review.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TILA NMLSR - Originator Company License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not in approved license status to conduct loan origination activities.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) | Federal Compliance - TILA NMLSR - Originator Company License Status Not Approved: NMLS consumer access site information for loan origination company status is unavailable to verify status. Presently indicates inactive.<br> Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Right to Cancel occurs prior to expected date(s).<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Exception Detail was updated on XX/XX/XXXX. Prior Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10260 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 2 | [2] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing.: Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Homeowners insurance policy has an effective date of XX/XX/XXXX and stated after the loan closed on XX/XX/XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO REVIEW/WAIVE<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: Non-escrowed property costs, HOA dues of $350.00 added as per the appraisal report. |  | Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10261 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Cure provided from Final CD | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10262 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 3 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: XXXX // Account Type: Stocks / Account Number: XXXX<br> [2] Income Documentation - Income documentation requirements not met. | XX/XX/XXXX to XX/XX/XXXX statement provided; Guidelines required two months of consecutive statements. Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> XX/XX/XXXX to XX/XX/XXXX statement provided; Guidelines required two months of consecutive statements. Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> Waterfall due to missing prior employment VVOE; two-year verification required. Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $700.00 exceeds tolerance of $600.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXX/17060599) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident.<br> Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX and XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status.<br> As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10263 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10264 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $98.40 exceeds tolerance of $67.00. $31.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TRID Zero Percent Tolerance Violation without sufficient Provided, |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10265 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Income Documentation - Income Docs Missing:: Borrower: XXXX 1040 (XXXX), 1040 (XXXX), VVOE - Employment Only<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Verbal Verification of Employment dated prior to closing not found in loan file.<br> Waterfall for missing VVOE, 2 years of 1040s, and all REO documents for XXXX.<br> Verification of employment is missing. | SELLER - GENERAL COMMENT (XX/XX/XXXX): 10 DAY VVOE ATTACHED ON PRIOR EXCEPTION<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide VVOE for Co Borrower.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHING THE VVOE AGAIN FOR XXXXWHO IS THE COBORROWER<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide VOE for current primary employment contemporary XXXX.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): all docs uploaded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide HOA verification and VOE for co borrower.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): docs uploaded for these two items (no hoa for the reo)<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide VOE for current primary employment contemporary XXXX.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED 10 DAY VVOE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide VVOE for Co Borrower.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): THE VVOE UPLOADED WAS FOR XXXXWHO IS THE COBORROWER. BORROWER DIDN'T HAVE ANY INCOME. UPLOADING VVOE AGAIN<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide VOE for current primary employment contemporary XXXX.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-641.50 exceeds tolerance of $-665.00. Insufficient or no cure was provided to the borrower. (9300)<br> [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. $23.50 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Lender credit decreased on Closing Disclosure dated XX/XX/XXXX with no valid change evident.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Recording fee increased on Closing Disclosure dated XX/XX/XXXX with no valid change evident.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification of appraisal was delivered to borrower not provided in file.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10266 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXXis less than Cash From Borrower $XXX.<br> [2] Missing Document E-Sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Statements for XXXXprovided. Documented qualifying Assets for Closing of $XXXis less than Cash from Borrower $XXX.<br> Missing electronic consent. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached XXXXstatements<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Statements for XXXXprovided. Documented qualifying Assets for Closing of $XXXis less than Cash from Borrower $XXX.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 2 | [2] Appraisal Reconciliation - Appraisal is required to be in name of Lender: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal transfer letter not provided in file |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10267 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying housing ratio discrepancy.: Calculated investor qualifying housing ratio of XX% exceeds Guideline housing ratio of XX%. | The front end DTI is 35.24% and guides max is 35%. Please provide an approval with compensating factors for it to be waived and downgraded. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10269 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Loan file is missing the state tangible net benefit disclosure. |  | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10270 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | SELLER - GENERAL COMMENT (XX/XX/XXXX): loan is over 5 years seasoned past the statute of limitations. Exception should be non material.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing the consent for this transaction. material exception.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10271 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $97.40 exceeds tolerance of $67.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10272 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10273 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10274 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report datedXX/XX/XXXX was receivedXX/XX/XXXX with Note date ofXX/XX/XXXX. Loan file is missing an appraisal waiver. |  |  |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10275 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Closing / Title - Title Error: Title vesting does not concur with deed | Missing electronic consent.<br> The title does not have both borrower's vested as shown on the security instrument. Please provide the Deed transferring the title to both borrowers. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10276 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10277 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10278 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met. | Waterfall due to missing third party verification of employment for self-employed income. | SELLER - GENERAL COMMENT (XX/XX/XXXX): No 3rd party verification obtained for XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A VVOE would be required for XXXX.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Employment - Schedule C Test: Ability to pay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (XXXX/Schedule C)<br> [2] Federal Compliance - General Ability To Repay Provision Income and Assets - Schedule C: Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (XXXX/Schedule C)<br> [2] Federal Compliance - General Ability To Repay Provision Income and Assets - Schedule C: Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (XXXX/Schedule C)<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM.<br> Federal Compliance - General Ability To Repay Provision Employment - Schedule C Test: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - General Ability To Repay Provision Income and Assets - Schedule C: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - General Ability To Repay Provision Income and Assets - Schedule C: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - General Ability To Repay Provision Employment - Schedule C Test: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs.<br>Federal Compliance - General Ability To Repay Provision Income and Assets - Schedule C: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs.<br>Federal Compliance - General Ability To Repay Provision Income and Assets - Schedule C: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10279 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 2 | [2] Document Error - Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10282 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $XXXX. Provide verification of policy with sufficient coverage or provide copy of insurer's replacement cost estimate supporting current coverage amount. | SELLER - GENERAL COMMENT (XX/XX/XXXX): insurance in file covers loan amount<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Hazard insurance binder dated XX/XX/XXXX shows dwelling coverage $XXXX however loan amount is $XXXX.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3133802)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 7,436.00 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest payment that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Projected Payments section (pg 1): Principal & Interest Min (paystream 1) does not match the actual P&I.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Amount of Estimated Property Costs over Year 1 of $7,436.00 on Final Closing Disclosure provided on XX/XX/XXXX is overdisclosed. |  | Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10283 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: No CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal proof of receipt is not provided<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10284 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | A lender-approved exception is in file for DTI. However, the lender-approved exception does not indicate the DTI percentage, and compensating factors were not selected.<br> An approved lender exception was provided for DTI at 59.9%. However, the lender-approved exception does not indicate the DTI percentage, and compensating factors were not selected. Documentation for other expense $XXXX is missing in file for XXXX | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached dti exception approval<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender approved exception.<br> REVIEWER - RE-OPEN COMMENT (XX/XX/XXXX): Waived in error.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The exception tracking document does not contain a date or the compensating factors for the exception.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached dti exception approval<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender approved exception.<br> REVIEWER - RE-OPEN COMMENT (XX/XX/XXXX): Waived in error.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The exception tracking document does not contain a date or the compensating factors for the exception. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of 60.04% significantly exceed the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Re-stated to Non-QM<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Re-stated to Non-QM<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines: Re-stated to Non-QM | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10285 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $604,101.77 is under disclosed by $26,815.11 compared to the calculated Finance Charge of $630,916.88 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3129833)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed $0.00 instead of a '-' in the payment stream on a loan containing Mortgage Insurance. (ProjSeq:4/3129835)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed $0.00 instead of a '-' in the payment stream on a loan containing Mortgage Insurance. (ProjSeq:3/3129834)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129832)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,309,784.42 is under disclosed by $26,815.11 compared to the calculated total of payments of $1,336,599.53 which exceeds the $100.00 threshold. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure not provided within three (3) days of application.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $604,101.77 is under disclosed by $26,815.11 compared to the calculated Finance Charge of $630,916.88 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX)<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Final Closing Disclosure provided on XX/XX/XXXX reflects a monthly escrow payment that does not match the actual escrow payment for the loan due to the MI payment being added.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1: Final Closing Disclosure provided on XX/XX/XXXX reflects a monthly escrow payment that does not match the actual escrow payment for the loan due to the MI payment being added.<br> Federal Compliance - TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1: Final Closing Disclosure provided on XX/XX/XXXX reflects a monthly escrow payment that does not match the actual escrow payment for the loan due to the MI payment being added.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Final Closing Disclosure dated XX/XX/XXXX2 reflects Non-Escrowed Property Costs of 0.00 for Year 1, due to the required payments are not escrowed.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,309,784.42 is under disclosed by $26,815.11 compared to the calculated total of payments of $1,336,599.53 which exceeds the $100.00 threshold.<br> Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the Monthly Escrow Payment for the loan, as the required payments are not escrowed.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the Monthly Escrow Payment for the loan, as the required payments are not escrowed. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10286 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal was made subject to, and 442 is not in images. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached certificate of occupancy<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing property inspection with pictures<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): only have COO - no final inspection per lender<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): No final inspection, exception will remain open. | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 8,526.65 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $104.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> Federal Compliance - Notice of Right to Cancel Missing: Right of Rescission Disclosure is missing from file.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Amount of Estimated Property Costs over Year 1 of $8,526.65 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Ten Percent Fee Tolerance exceeded. Total amount of $104.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B C |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10287 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum Interest Rate: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3145169)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3145168)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3145167) | Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum Interest Rate: The CD dated XX/XX/XXXX indicates a max payment in year 8 of $3,626.00. The Note and Arm Disclosure indicate the loan is fixed through year 8.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: The final closing disclosure datedXX/XX/XXXX reflects minimum and maximum whole figures and not the exact figures.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: The final closing disclosure datedXX/XX/XXXX reflects minimum and maximum whole figures and not the exact figures.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: The final closing disclosure datedXX/XX/XXXX reflects minimum and maximum whole figures and not the exact figures. |  | Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum Interest Rate: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> [2] Income Documentation - Income documentation requirements not met. | Missing electronic consent.<br> AddedXX/XX/XXXX income documentation reflect much lower income than qualified.<br> A YTD Paystub, 2 year's W2's, signed and dated 4506C and pre closing VVOE are missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached employment offer letter which shows raise in borrower income to $XXXX academic base and$XXXX in academic supplement to startXXXX. Lender only used $XXXX to qualify the borrower.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Letter states contingent upon approval of assistant dean and faculty affairs which isn't in file.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): INCOME DOCS LOADED<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): UpdatedXX/XX/XXXX income docs reflect much lower income than used to qualify.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached employment offer letter which shows raise in borrower income to $XXXX academic base and$XXXX in academic supplement to startXXXX. Lender only used $XXXX to qualify the borrower.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Letter states contingent upon approval of assistant dean and faculty affairs which isn't in file.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3143022)<br> [3] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3143021)<br> [3] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3143020)<br> [3] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3143019)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/XX/XX/XXXX)<br> [3] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $3,908.50 may be required.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment $589.32 for payment stream 4 that does not match the actual payment for the loan $1,236.54.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment $589.32 for payment stream 3 that does not match the actual payment for the loan $1,236.54.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment $589.32 for payment stream 2 that does not match the actual payment for the loan $1,236.54.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment $589.32 for payment stream 1 that does not match the actual payment for the loan $1,236.54.<br> Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: Monthly Escrow Payment $589.32 that does not match the actual escrow payment for the loan.1,236.54.<br> Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: No Loan Estimates provided.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added 4/29/26- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: Missing evidence of receipt of the right to receive a copy of the appraisal disclosure and LE.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added 4/29/26- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List was not provided.<br> Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: XX/XX/XXXX CD indicates a total in section G for the initial escrow payment at closing of $1,178.64; however, the Initial Escrow Account Disclosure reflects an initial deposit of $2,473.06. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>Effective XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10289 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Note reflects index as US Treasury - 1 Year CMT (Weekly), whereas Final Closing Disclosure reflects SOFR 30 Day Average. |  | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of 1,507.66 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3131788)<br> [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3131791)<br> [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3131790)<br> [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3131789)<br> [3] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 15,112.13 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3131788)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $0.50 exceeds tolerance of $0.00. $0.50 over legal limit. Insufficient or no cure was provided to the borrower. (8304)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Deed Preparation Fee. Fee Amount of $XXXX exceeds tolerance of $0.00. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (77231)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $410.00 exceeds tolerance of $300.00. $110.00 over legal limit. Insufficient or no cure was provided to the borrower. (75174)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $400.00. $350.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,825.00 exceeds tolerance of $1,625.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. (7334) | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: Page 4 of Closing Disclosure states Mortgage Insurance is being escrowed; however, page 1 of Closing Estimate does not show it being escrowed.<br> Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Per Closing Disclosure, Mortgage Insurance is escrowed and shows monthly payments on payment stream, when Mortgage Insurance is a lump sum and not financed.<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Page 4 of Closing Disclosure states Mortgage Insurance is being escrowed; however, page 1 of Closing Estimate does not show it being escrowed.<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 3 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Per Closing Disclosure, Mortgage Insurance is escrowed and shows monthly payments on payment stream, when Mortgage Insurance is a lump sum and not financed.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: Product on final Closing Disclosure is not the same loan product as disclosed in the note.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Product on final Closing Disclosure is not the same loan product as disclosed in the note.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid Change of Circumstance for the fee increase was not provided or a sufficient cure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid Change of Circumstance for the fee increase was not provided or a sufficient cure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid Change of Circumstance for the fee increase was not provided or a sufficient cure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid Change of Circumstance for the fee increase was not provided or a sufficient cure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid Change of Circumstance for the fee increase was not provided or a sufficient cure. |  | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10292 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Payment Shock exceeds credit guidelines.: Payment Shock: XX% | Payment Shock: XX%. Guidelines indicate total housing expense increase may not exceed 35%. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, payment shock is for borrowers that had a rent payment. borrower was a current home owner and this would not apply to them<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Guides do not say increase cap applies only to borrowers who previously rented, exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review - not a QM or ATR exception. Per lender, the payment shock in the guideline is for borrowers with a rent payment prior not for current homeowner.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: The earliest dated E-Consent is XX/XX/XXXX which was after the date of the initial Loan Estimate provided electronically issued XX/XX/XXXX.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing receipt of XX/XX/XXXX report, receipt of earlier report was provided. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10294 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $XXXX. $325.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $XXXX. $325.00 over legal limit. Insufficient or no cure was provided to the borrower. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10295 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 3 | 2 | [2] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing.: Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Homeowners insurance policy has an effective date of XX/XX/XXXX and started after the loan funded on XX/XX/XXXX. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,183.00 exceeds tolerance of $1,821.00 plus 10% or $2,003.10. $179.90 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments.<br> Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $2,183.00 exceeds tolerance of $1,821.00 plus 10% or $2,003.10. $179.90 over legal limit. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  | Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10297 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of appraisal receipt not provided.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10298 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $XXXX, based on hazard insurance coverage of $XXXX, and lender replacement cost estimate $XXXX there is a shortall of $XXXX. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10299 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Timing: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $129.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> Federal Compliance - TRID Loan Estimate Timing: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> State Compliance - Michigan CMPA Home Loan Toolkit Timing: Missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10300 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: Final Closing Disclosure provided on XX/XX/XXXX did not disclose a reason for not having an escrow account on page 4.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing evidence of appraisal delivery.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10301 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10302 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.<br> [2] General - Loans with an application date after XX/XX/XXXX using a LIBOR Index are not Agency Salable.: Index: LIBOR - 1 Year (Daily); Note Date: XX/XX/XXXX | Insurance Coverage is insufficient by $XXXX. There Is no evidence of extended coverage or insurer's estimate of replacement cost provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 10,277.30 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. Sufficient or excess cure was provided to the borrower at Closing. (7580) | Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 10,277.30 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report date XX/XX/XXXX missing evidence of receipt<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10303 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Non QM | 3 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Miscellaneous - Credit Exception:<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: Old National Bank // Account Type: Checking / Account Number: XXXX<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - REO Documents are missing.: Address: XXXX Tax Verification | File is missing an additional month's bank statement for account #XXXX. Guidelines require two months of bank statements, and the file only has a statement dated XX/XX/XXXX to XX/XX/XXXX. Short funds to close and reserves. 1003 and approval used $XXXX in assets, which is not sufficient to cover the required reserve.<br> Lender approved an exception in the file for DTI exceeding the maximum allowed of 43%. DTI not to exceed 48%. DTI is 43.29%.<br> Missing 2 consecutive months for 401k.<br> Income for XXXX (2 Year Average Income).<br> Income for XXXX, LLC $-52.08 (1 Year Average Income).<br> Income for XXXX $52.00. (2 Year Average Income).<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Our calculated figures:<br> Subject Mortgage P&I $XXXX.<br> Hazard Insurance $XXXX.<br> Mortgage Insurance $n/a.<br> Real Estate Tax $XXXX.<br> HOA Due $ n/a.<br> PTITA total $XXXX.<br> Investment REO Negative Cash $XXXX<br> Credit Debt $XXXX.<br> Income $XXXX<br> Calculated DTI 52.18%. Guides max DTI 48.00%.<br> File is missing verbal verification of employment for borrower's self-employed businesses: XXXX Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income. File is missing verbal verification of employment for borrower's self-employed businesses: XXXX XXXX, XXXX LLC, XXXX LLC and XXXX, LLC.<br> Missing signed tax returns for 2 years for XXXX and Missing 3rd party verification.<br> Missing signed tax returns for 2 years for XXXX and Missing 3rd party verification.<br> Mortgage statement provided was not provided. Unable to confirm PITIA for XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only XXXX income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): File is missing an additional month's bank statement for account #XXXX. Compensating factors not provided.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender Exception with Compensating Factors provided. Downgraded and Waived.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only XXXX income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The lender exception does not show evidence of approval and lists multiple reasons why it was originally declined. Additional assets provided, but the compensating factors and lender exception approval were not updated to note the compensating factors, exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only XXXX income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The lender exception does not show evidence of approval and lists multiple reasons why it was originally declined. Additional assets provided, but the compensating factors and lender exception approval were not updated to note the compensating factors, exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only 2018 income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Credit report in file, tax verification required.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Statement, Tax Verification<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3130033)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 5,414.75 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Ability to pay (Dodd-Frank 2014): Unable to verify current Partnership status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing: XXXXted/Third Party P&L, CPA Letter, or other Third Party Verification. (XXXX/Partnership)<br> [2] Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Ability to pay (Dodd-Frank 2014): Unable to verify current Partnership status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing: XXXXted/Third Party P&L, CPA Letter, or other Third Party Verification. (XXXX/Partnership)<br> [2] Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Ability to pay (Dodd-Frank 2014): Unable to verify current Partnership status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing: XXXXted/Third Party P&L, CPA Letter, or other Third Party Verification. (XXXX/Partnership)<br> [2] Federal Compliance - General Ability To Repay Provision Income and AssetXX/XX/XXXXLess 25%: Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (XXXX/Schedule K-1 less than 25 Percent)<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - General Ability To Repay Provision Non QM DTI significantly exceeds Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the 1026.43(c)(5) of 55.34% significantly exceeds the guideline maximum of 48.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: Payment stream 2 of Final Closing Disclosure reflects a payment of $2,155.41, but the actual payment is $700.00.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Payment stream 2 of Final Closing Disclosure reflects a payment of $2,155.41, but the actual payment is $700.00.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: Payment stream 1 of Final Closing Disclosure reflects a payment of $1,423.33, but the actual payment is $700.00. Calculation: ($XXXX / 2) x 3.5% = $8,400.00 / 12 = $700.00.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Payment stream 1 of Final Closing Disclosure reflects a payment of $1,423.33, but the actual payment is $700.00. Calculation: ($XXXX / 2) x 3.5% = $8,400.00 / 12 = $700.00.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Page four of Final Closing Disclosure reflects property costs of $5,414.75. Actual property costs are $5,382.60.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Third-party verification for primary borrower's self-employment was missing from loan documents.<br> Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Third-party verification for primary borrower's self-employment was missing from loan documents.<br> Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Third-party verification for primary borrower's self-employment was missing from loan documents.<br> Federal Compliance - General Ability To Repay Provision Income and AssetXX/XX/XXXXLess 25%: Third-party verification for primary borrower's self-employment was missing from loan documents.<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: File is missing an additional month's bank statement for account #XXXX. Guidelines require two months of bank statements, and the file only has a statement dated XX/XX/XXXX to XX/XX/XXXX. Short funds to close and reserves. 1003 and approval used $XXXX in assets, which is not sufficient to cover the required reserve.<br> Mortgage statement provided was not provided. Unable to confirm PITIA for XXXX. <br> Missing signed tax returns for 2 years for XXXX and Missing 3rd party verification.<br> Missing signed tax returns for 2 years for XXXX and Missing 3rd party verification.<br>File is missing verbal verification of employment for borrower's self-employed businesses: XXXX<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income. Our calculated figures:<br> Subject Mortgage P&I $XXXX.<br> Hazard Insurance $XXXX.<br> Mortgage Insurance $n/a.<br> Real Estate Tax $XXXX.<br> HOA Due $ n/a.<br> PTITA total $XXXX.<br> Investment REO Negative Cash $XXXX<br> Credit Debt $XXXX.<br> Income $XXXX<br> Calculated DTI 52.18%. Guides max DTI 48.00%.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Qualify at start rate (Note Rate).<br> Federal Compliance - General Ability To Repay Provision Non QM DTI significantly exceeds Guidelines: Income for XXXX (2 Year Average Income).<br> Income for XXXX, LLC $-52.08 (1 Year Average Income).<br> Income for XXXX $52.00. (2 Year Average Income).<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Our calculated figures:<br> Subject Mortgage P&I $XXXX.<br> Hazard Insurance $XXXX.<br> Mortgage Insurance $n/a.<br> Real Estate Tax $XXXX.<br> HOA Due $ n/a.<br> PTITA total $XXXX.<br> Investment REO Negative Cash $XXXX<br> Credit Debt $XXXX.<br> Income $XXXX<br> Calculated DTI 52.18%. Guides max DTI 48.00%.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: File is missing an additional month's bank statement for account #XXXX. Guidelines require two months of bank statements, and the file only has a statement dated XX/XX/XXXX to XX/XX/XXXX. Short funds to close and reserves. 1003 and approval used $XXXX in assets, which is not sufficient to cover the required reserve.<br> Mortgage statement provided was not provided. Unable to confirm PITIA for XXXX. <br> Missing signed tax returns for 2 years for XXXX and Missing 3rd party verification.<br> Missing signed tax returns for 2 years for XXXX and Missing 3rd party verification.<br>File is missing verbal verification of employment for borrower's self-employed businesses: XXXX<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income. Our calculated figures:<br> Subject Mortgage P&I $XXXX.<br> Hazard Insurance $XXXX.<br> Mortgage Insurance $n/a.<br> Real Estate Tax $XXXX.<br> HOA Due $ n/a.<br> PTITA total $XXXX.<br> Investment REO Negative Cash $XXXX<br> Credit Debt $XXXX.<br> Income $XXXX<br> Calculated DTI 52.18%. Guides max DTI 48.00%. | SELLER - GENERAL COMMENT (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only 2018 income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The lender exception does not show evidence of approval and lists multiple reasons why it was originally declined. Additional assets provided, but the compensating factors and lender exception approval were not updated to note the compensating factors, exception remains.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only 2018 income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The lender exception does not show evidence of approval and lists multiple reasons why it was originally declined. Additional assets provided, but the compensating factors and lender exception approval were not updated to note the compensating factors, exception remains.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only 2018 income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The lender exception does not show evidence of approval and lists multiple reasons why it was originally declined. Additional assets provided, but the compensating factors and lender exception approval were not updated to note the compensating factors, exception remains.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only 2018 income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The lender exception does not show evidence of approval and lists multiple reasons why it was originally declined. Additional assets provided, but the compensating factors and lender exception approval were not updated to note the compensating factors, exception remains.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Restated to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only XXXX income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The lender exception does not show evidence of approval and lists multiple reasons why it was originally declined. Additional assets provided, but the compensating factors and lender exception approval were not updated to note the compensating factors, exception remains.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only 2018 income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The lender exception does not show evidence of approval and lists multiple reasons why it was originally declined. Additional assets provided, but the compensating factors and lender exception approval were not updated to note the compensating factors, exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only XXXX income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The lender exception does not show evidence of approval and lists multiple reasons why it was originally declined. Additional assets provided, but the compensating factors and lender exception approval were not updated to note the compensating factors, exception remains.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs.<br>Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs.<br>Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs.<br>Federal Compliance - General Ability To Repay Provision Income and AssetXX/XX/XXXXLess 25%: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10306 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10307 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - ARM Disclosure Timing Test: Missing initial 1003, unable to determine loan application for testing.<br> Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Missing initial 1003, unable to determine loan application for testing.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - Missing Initial Loan Application Testing: Missing initial 1003, unable to determine loan application for testing.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Missing initial 1003, unable to determine loan application for testing. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10309 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] Guideline Issue - Borrower has been on current job less than 2 years, and prior employment history was not documented as required.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Miscellaneous - Credit Exception:<br> [2] Income Documentation - Income documentation requirements not met. | Missing letter of explanation for gap in employment of more than 30 days.<br> Lender approved exception to close in Trust.<br> Missing letter of explanation for gap in employment of more than 30 days. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Complete. Borrower is a XXXX. The gap would be due to his appointment by then XXXX and XXXX. See Wikepedia history.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide signed letter of explanation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): from lender - One was not obtained due to the fact he was a public figure and gap could be documented thru media outlets.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A Wikipedia site is not valid to confirm a gap.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender Exception with Compensating Factors provided. Downgraded and Waived.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Complete. Borrower is a XXXX. The gap would be due to his appointment by then XXXX and XXXX. See Wikepedia history.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide signed letter of explanation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): from lender - One was not obtained due to the fact he was a public figure and gap could be documented thru media outlets.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A Wikipedia site is not valid to confirm a gap.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Waterfall due to missing letter of explanation for gap in employment of more than 30 days.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Waterfall due to missing letter of explanation for gap in employment of more than 30 days. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Complete. Borrower is a XXXX. The gap would be due to his appointment by then XXXX and XXXX. See Wikepedia history.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide signed letter of explanation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): from lender - One was not obtained due to the fact he was a public figure and gap could be documented thru media outlets.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A Wikipedia site is not valid to confirm a gap.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Complete. Borrower is a XXXX. The gap would be due to his appointment by then XXXX and XXXX. See Wikepedia history.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide signed letter of explanation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): from lender - One was not obtained due to the fact he was a public figure and gap could be documented thru media outlets.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A Wikipedia site is not valid to confirm a gap.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10310 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Waterfall finding due to the calculated DTI of XX% is exceeding guidelines DTI of 43% due to missing supporting documentation for the sale of residing residence once the subject property is built.<br> Award letter was not provided for borrower pension income. | SELLER - GENERAL COMMENT (XX/XX/XXXX): due to the fact this income will be for life, 1099 statements for pension are sufficient documentation per agency guidelines to document pension. Providing however this is probably similar to what you have. AVM was used along with a Real Estate agent opinion of market to determine 30% equity. Listing was used to support the equity.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): AVM and current balance reflect Equity of 29.53%, exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): due to the fact this income will be for life, 1099 statements for pension are sufficient documentation per agency guidelines to document pension. Providing however this is probably similar to what you have. AVM was used along with a Real Estate agent opinion of market to determine 30% equity. Listing was used to support the equity.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per Appendix Q testing we require the award letter, two months of receipt and document three years of continuation, which were missing from the loan file. Exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 8,901.09 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. Sufficient or excess cure was provided to the borrower at Closing. (7580) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final closing disclosure page (4) subsequent changes do not match the terms of the loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Amount of Estimated Property Costs over Year 1 of 8,901.09 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10312 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 9,725.65 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [3] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: The calculated Product is 12 Month Interest Only, Adjustable Rate, and the Product listed on the Closing Disclosure issued on XX/XX/XXXX is 1 Year Interest Only, 11/6 Adjustable Rate.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: The Final 1003 reflects the Hazard Insurance monthly amount is $100.00, and the Taxes monthly amount as $784.15, along with the HOA monthly amount of $38.00. This is a monthly total of $922.15 and annually of $11,065.80. The Closing Disclosure issued on XX/XX/XXXX reflects the Estimated Property Costs over Year 1 as $9,725.65.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> Federal Compliance - TRID Loan Estimate Timing: Application date is XX/XX/XXXX; earliest Loan Estimate in file is XX/XX/XXXX.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10313 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $481,862.75 is over disclosed by $395.00 compared to the calculated Amount Financed of $481,467.75 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $235,678.24 is under disclosed by $395.00 compared to the calculated Finance Charge of $236,073.24 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $325.00. Sufficient or excess cure was provided to the borrower at Closing. (75215)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75178) | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Disclosed Amount Financed are $481,467.75. Due Diligence Amount Financed are $481,862.75. There is a variance of $395.00.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosed Finance Charges are $236,073.24. Due Diligence Finance Charges are $235,678.24. There is a variance of -$395.00. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10314 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] General - The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio.: Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | Investor's qualifying DTI is less due to P&I mismatch. Lender P&I based on P&I at $XXXX. Due Diligence Calculation of $XXXX. HOA of $XXXX. |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10315 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Condo Cert. Fee Amount of $395.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. (7543) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10316 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [3] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $7,530.05 may be required.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Initial Closing Disclosure missing in loan file.<br> Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: No Loan Estimates provided.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: Missing evidence of receipt of the right to receive a copy of the appraisal disclosure and LE.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Added 4/16/26 missing appraisal delivery<br> Federal Compliance - Missing Initial Loan Application Testing: Missing initial 1003 with Application date in loan file.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List was not provided. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>Effective XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10317 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met. | Per lender guidelines, a full appraisal is required. Either form 1004 or 1073. Only an exterior appraisal was provided.<br> Missing electronic consent.<br> Missing a profit and loss statement and balance sheet for, XXXX, and positive K1 income. | SELLER - GENERAL COMMENT (XX/XX/XXXX): COVID LOAN - EXTERIOR APPRAISAL ALLOWED DURING THIS TIME<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Investor to review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Evidence of actual receipt date of revised Loan Estimate, issued on XX/XX/XXXX, is not provided. Default receipt date (mailbox rule) is XX/XX/XXXX, which is less than 4 business days prior to the closing date (XX/XX/XXXX).<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing receipt of XX/XX/XXXX report.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10318 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM | 2 | 2 | [2] Guideline Issue - Borrower has been on current job less than 2 years, and prior employment history was not documented as required.: Borrower: XXXX XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Income Documentation - Income documentation requirements not met. | Missing prior employment XXXX W-2 for borrower.<br> While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX and XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> Missing prior employment XXXX W-2 for borrower. XXXX W-2 for coborrower was not provided.<br> While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX and XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXX/17127928) | Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Income documentation is insufficient to verify 2-year history.<br> While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX and XXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10319 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Income Documentation - Income documentation requirements not met. | XXXX profit and loss statement and balance sheet was not provided in the file. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Lender did not require. Business was low risk. Provided Income calc worksheets and SE Attestation for Covid.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Appendix Q requirement, exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): From lender, Business has been incorporated since 1997. Profit and Loss statements are required if additional support is needed to support stability and continuance of income. The business was established and there was not a question over stability of income.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is re-stated to small creditor and is required, per small creditor.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Status Test: Disclosure not provided<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report datedXX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10320 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insurance coverage is insufficient by $XXXX. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $59.40 exceeds tolerance of $55.00. $4.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $510.00 exceeds tolerance of $450.00. $60.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Report Fee was last disclosed as $55.00 on the Loan Estimate, but was disclosed as $59.40 on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee was last disclosed as $450.00 on the Loan Estimate, but was disclosed as $510.00 on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: File is missing evidence of appraisal delivery to the borrower.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10321 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insurance coverage is insufficient by $XXXX based on loan amount, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Closing Disclosure was issued on XX/XX/XXXX. Closing Date is XX/XX/XXXX. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10322 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $56.45 exceeds tolerance of $34.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10323 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of 10.00. | Guidelines require 6 months reserves plus 2 months for each additional property owned. Subject loan requires 10 months reserves and only 9.85 months were verified.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> Missing electronic consent.<br> Guidelines require 6 months reserves plus 2 months for each additional property owned. Subject loan requires 10 months reserves and only 9.85 months were verified.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10324 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower not provided in file. |  |  |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10325 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Application / Processing - Missing Document: Approval not provided | Missing electronic consent.<br> No evidence of Approval. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee increased on XX/XX/XXXX Loan Estimate with no valid change evident.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10326 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 2 | [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - Income documentation requirements not met. | Appendix Q requires 2 years tax returns, P&L, and balance sheet for S-Corps.<br> Appendix Q requires 2 years tax returns, P&L, and balance sheet for S-Corps. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Income was analyzed for 1 year (XXXX) so only 1 years tax return obtained. Business has been in existence for greater than 5 years so 1 year returns are required. Stability of income was not a concern based on having XXXX taxes, existence of business so P and L is not required.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 3 | [3] Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Appendix Q requires 2 years tax returns, P&L, and balance sheet for S-Corps.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Appendix Q requires 2 years tax returns, P&L, and balance sheet for S-Corps.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Appendix Q requires 2 years tax returns, P&L, and balance sheet for S-Corps. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Income was analyzed for 1 year (XXXX) so only 1 years tax return obtained. Business has been in existence for greater than 5 years so 1 year returns are required. Stability of income was not a concern based on having XXXX taxes, existence of business so P and L is not required.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Appendix Q requires 2 years tax returns, P&L, and balance sheet for S-Corps.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Income was analyzed for 1 year (XXXX) so only 1 years tax return obtained. Business has been in existence for greater than 5 years so 1 year returns are required. Stability of income was not a concern based on having XXXX taxes, existence of business so P and L is not required.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10328 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10329 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: CD received on XX/XX/XXXX closing date<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report datedXX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10330 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10331 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [3] Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment Period: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Interest Only Payments Period. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Loan Term: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Loan Term that does not match the actual loan term for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3146020)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3146019)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Compliant Test: ARM loan program disclosure does not match terms of loan.<br> Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan.<br> Federal Compliance - TRID Final Closing Disclosure AP Table First Change Test: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment Period: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Interest Only Payments Period.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Loan Term: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Loan Term that does not match the actual loan term for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: New exception generated.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Compliant Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table First Change Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment Period: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Loan Term: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10334 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10335 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10336 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [2] Application / Processing - Missing Document: Approval not provided | The file was missing a copy of the title policy. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Re-stated to Non-QM |  | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10337 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 14,827.12 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX).<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX).<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Amount of Estimated Property Costs over Year 1 of $14,827.12 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX). |  | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10338 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Rate/Term | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of XXX is less than Guideline representative FICO score of 740. | Missing third party verification for self-employment income. Waterfall exception due to insufficient FICO score. Per guidelines, DTI at or above 40% requires a FICO score of 740.<br> Per guidelines, DTI at or above 40% requires a minimum FICO score of 740. | SELLER - GENERAL COMMENT (XX/XX/XXXX): VVOE FOR SCH C IS NOT REQUIRED. THE LOSS WAS USED TO BE CONSERVATIVE. VVOE SHOULD ONLY BE NEEDED IF POSITIVE INCOME WAS USED.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): FICO score below required min per guidelines.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): why would fico score of XXX make the loan non qm?<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per guidelines provided at review for DTI above 40% minimum credit score required is 740.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): no exception for the credit score. Only exception was for the appraisal.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): FICO score below required min per guidelines.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): why would fico score of XXX make the loan non qm?<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per guidelines provided at review for DTI above 40% minimum credit score required is 740.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Again, why would a fico at XXX make this loan non QM? What is non QM about a fico of 736? I get maybe i need an exception for the lender guidelines but it shoudn't make this loan Non QM.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per guideline (pg#XXXXor DTI >40% required minimum fico is 740.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Re-stated to Non-QM |  | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10340 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-Sign consent document is missing in file. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of appraisal receipt not provided.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10341 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $309,257.78 is under disclosed by $6,695.12 compared to the calculated Finance Charge of $315,952.90 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $721,249.93 is under disclosed by $6,740.87 compared to the calculated total of payments of $727,990.80 which exceeds the $35.00 threshold. (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $102.00 exceeds tolerance of $XXXX plus 10% or $93.50. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,230.00 exceeds tolerance of $1,200.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance charges understated by $6,695.12, itemization of amount financed not provided.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Total of Payments disclosed is $721,249.93. Calculated amount financed is $727,990.80. Total of Payments Variance is -$6,740.87. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10342 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,250.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal fee of $1,250.00 not disclosed to borrower until final CD. No valid change in circumstance or cure provided. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10343 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10344 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met.<br> [2] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Income Documentation - Verification(s) of employment is not within 10 calendar days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing verification of employment for salaried co-borrower obtained within 10 calendar days of Note date.<br> MI is required for LTVs > 80%. Loan was approved with LTV of XX%.<br> Missing verification of employment for salaried co-borrower obtained within 10 calendar days of Note date.<br> Missing verification of employment for salaried co-borrower obtained within 10 calendar days of Note date. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Complete. Did not obtain for Co-borrower. Coborrower did sign Employment attestation stating there has been no changes and I am providing that.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender agrees.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN IS PAID DOWN TO WHERE MI IS NO LONGER REQUIRED. THIS EXCEPTION IS NO LONGER RELEVANT.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): MI required at time of closing, exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review. no reason to provide a MI cert when it's no longer active or required<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Complete. Did not obtain for Co-borrower. Coborrower did sign Employment attestation stating there has been no changes and I am providing that.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender agrees.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Complete. Did not obtain for Co-borrower. Coborrower did sign Employment attestation stating there has been no changes and I am providing that.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender agrees.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10345 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $400.00 exceeds tolerance of $275.00. $125.00 over legal limit. Insufficient or no cure was provided to the borrower. (7561)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Pick Up Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. $75.00 over legal limit. Insufficient or no cure was provided to the borrower. (75205) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title - Settlement / Closing / Escrow fee increased on XX/XX/XXXX Closing Disclosure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title - Tax Pick Up Fee increased on XX/XX/XXXX Closing Disclosure. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10346 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10347 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $570.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10348 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $17,443.27 is less than Cash From Borrower $102,326.52. | Based on asset documentation in file, verified assets total $17,443.27. With funds required to bring to closing of $92,326.52, plus the down payment/deposit of $10,000.00, total funds to be verified is $102,326.52. Therefore, the file does not contain sufficient asset documentation for closing funds. Shortage is due to missing source of large deposit of $200,000.00 to XXXX #XXXX on XX/XX/XXXX.<br> Based on asset documentation in file, verified assets total $17,443.27. With funds required to bring to closing of $92,326.52, plus the down payment/deposit of $10,000.00, total funds to be verified is $102,326.52. Therefore, the file does not contain sufficient asset documentation for closing funds. Shortage is due to missing source of large deposit of $200,000.00 to XXXX #XXXX on XX/XX/XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX REQUESTED THE XXXX SAVINGS ACCT STATEMENT #XXXX FROM XXXX XXXX SHOWING THE DEBIT FROM THIS ACCT TO THE XXXX CD ACCT THAT WAS USED FOR CLOSING - HAVE XXXX STATEMENT BUT MISSING XXXX WHICH WOULD DOCUMENT THE $XXXXDEPOSIT - LENDER STATED Did not obtain due to the fact it was internal transfer of funds. A savings account that was already established and money market account opened with the same institution.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Seller did not obtain XXXX statement for savings acct. to document transfer, exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX REQUESTED THE XXXX SAVINGS ACCT STATEMENT #XXXX FROM XXXX XXXX SHOWING THE DEBIT FROM THIS ACCT TO THE XXXX CD ACCT THAT WAS USED FOR CLOSING - HAVE XXXX STATEMENT BUT MISSING XXXX WHICH WOULD DOCUMENT THE $XXXXDEPOSIT - LENDER STATED Did not obtain due to the fact it was internal transfer of funds. A savings account that was already established and money market account opened with the same institution.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Seller did not obtain XXXX statement for savings acct. to document transfer, exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): please put exception in XXXX's court to review.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Re-stated to Non-QM<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Re-stated to Non-QM<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Re-stated to Non-QM | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10349 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10350 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10351 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: Final Closing Disclosure provided on XX/XX/XXXX did not disclose a reason for not having an escrow account on page 4.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10352 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] General - Missing Document: Verification of Non-US citizen Status not provided | Per final 1003, borrower is a permanent resident alien; however, the borrower's permanent resident card was not provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Sufficient cure provided at closing. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10353 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Income Documentation - Income documentation requirements not met. | Waterfall issue due to 2 years employment history and/or prior employment. Borrower has been employed by Tantara since XX/XX/XXXX. Borrower's previous employment history could not be verified, including XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Provided previous employer w2s which includes unemployment benefits. No prior voe obtained just the W2s.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide LOE For gap of employment.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 8,872.27 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10354 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 11,532.84 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure dated XX/XX/XXXX reflects a Subsequent Changes period that does not align with the actual loan terms.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure dated XX/XX/XXXX reflects a product that does not align with the actual loan product. As a result, additional AIR/AP table compliance failures may apply for adjustable-rate or adjustable-payment loans due to incorrect product disclosure<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Estimated Property Costs Over Year 1 in the amount of $11,532.84 disclosed on the Final Closing Disclosure dated XX/XX/XXXX are overstated.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: Final Closing Disclosure provided on XX/XX/XXXX did not disclose a reason for not having an escrow account on page 4.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing appraisal delivery receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment Period: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Interest Only Payments Period. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Loan Term: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Loan Term that does not match the actual loan term for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3146024)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3146023)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Status: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - ARM Disclosure Timing Test: Missing Evidence of Initial Loan Application Date<br> Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet is not provided.<br> Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Missing Evidence of Initial Loan Application Date<br> Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: Final Closing Disclosure disclosed a First Change frequency that does not match the actual first change frequency for the loan.<br> Federal Compliance - TRID Final Closing Disclosure AP Table First Change Test: Final Closing Disclosure disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment Period: Final Closing Disclosure disclosed an inaccurate Interest Only Payments Period.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: Final Closing Disclosure disclosed a Maximum Payment amount and period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Loan Term: Final Closing Disclosure disclosed a Loan Term that does not match the actual loan term for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Final Closing Disclosure disclosed the frequency of adjustments that does not match the actual adjustment period for the loan<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: Final Closing Disclosure disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest: Final Closing Disclosure disclosed a Principal and Interest Payment that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure disclosed loan Product as 1 Year Interest Only, 8/6 Adjustable Rate and that does not match the actual product for the loan, 7/6 Adjustable Rate. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Final Closing Disclosure disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing appraisal delivery<br> Federal Compliance - FACTA Disclosure Missing: Missing evidence of credit report.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Inital 1003 is not provided.<br> Federal Compliance - Missing Initial Loan Application Testing: Missing Evidence of Initial Loan Application Date<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Missing Evidence of Initial Loan Application Date | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table First Change Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment Period: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Loan Term: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10356 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Income was updated, removing the $XXXX income initial used for approval. Income - XXXX - PITIA XXXX - credit debts XXXX - total payments $XXXX. DTI is XX%. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of 54.49% significantly exceed the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Re-stated to Non-QM<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines: Re-stated to Non-QM<br> State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10357 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insurance coverage is insufficient by $XXX based on loan amount $XXX; there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10358 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $56.45 exceeds tolerance of $34.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10359 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED. XXXX TO WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Timing: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> State Compliance - Michigan CMPA Home Loan Toolkit Timing: Missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): QM Small Creditor Portfolio Originations (status lost if transferred within 3 years). Since don't know the history of the loan and whether it's been transferred less than three years after consummation, we cite the exception and then if lender can provide an attestation that they never sold or securitized the loan within the three years from origination, we can clear the exception. If it has been transferred within three years, the exception is valid.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Maximum Interest Rate: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Interest Rate that does not match the actual maximum interest rate for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum Interest Rate: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Interest Rate Change After Closing Testing: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Interest Rate can change. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3132950)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Once: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. Loan Terms adjust a single adjustment of Principal and Interest. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Change After Closing Testing: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Principal and Interest Payment can change. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3132952)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3132951)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3132950)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. (ProjSeq:4/3132952)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. (ProjSeq:3/3132951)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. (ProjSeq:2/3132950)<br> [3] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-1,510.00. Insufficient or no cure was provided to the borrower. (9300) | Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm.<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Maximum Interest Rate: Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm.<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum Interest Rate: Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm.<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm.<br> Federal Compliance - TRID Final Closing Disclosure Interest Rate Change After Closing Testing: Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm.<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Once: Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Change After Closing Testing: Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm.<br> Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: A valid COC for the fee increase was not provided. No cure at close |  | Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AIR Table Maximum Interest Rate: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum Interest Rate: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Interest Rate Change After Closing Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Once: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Change After Closing Testing: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10361 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Calculated investor qualifying total debt ratio of XX% exceeds guidelines max 43%. Calculated investor qualifying total debt ratio matches lender DTI. Our calculated figures:<br> Subject Mortgage P&I $XXX.<br> Hazard Insurance$XXX.<br> Mortgage Insurance $XXX.<br> Real Estate Tax $XXX.<br> HOA Due $XXX.<br> PTITA total $XXX, matches 1008.<br> Wages $XXX, which matches 1008.<br> Lender DTI XX%. Due diligence DTI XX%. Max DTI is 43% per guide. Guides do state (45% with a XXXdefined compensating factor) file is missing lender granted exception exceeding 45%. | SELLER - GENERAL COMMENT (XX/XX/XXXX): exception uploaded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Screenshot is insufficient to verify exception. Please provide lender request and approval to include name of person approving the exception as well as the date.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Exception approval is logged into the origination system - thus portfolio exception tracking. Cannot be in the origination system without approval and loan closed with exception. Unsure why it is material to not have a signature on the exception when it is evident an exception was made, the type of exception is indicated, and the compensating factor was provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): According to your guidelines DTI to 45% require compensations factors, your origination system shows option 12 and requires underwriter to describe but is not listed, please provide.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $368,470.38 is under disclosed by $7,779.96 compared to the calculated Finance Charge of $376,250.34 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $749,884.08 is under disclosed by $7,779.96 compared to the calculated total of payments of $757,664.04 which exceeds the $35.00 threshold. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. (7563)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $380.00 exceeds tolerance of $0.00. $380.00 over legal limit. Insufficient or no cure was provided to the borrower. (8304)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Investor DTI moderately exceeds Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines of XX% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance charge understated by $7,779.96.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Total of Payments understated by $7,779.96.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee was added on closing disclosure issued XX/XX/XXXX, missing change of circumstance and no cure provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Re-stated to Non-QM<br> Federal Compliance - General Ability To Repay Provision Investor DTI moderately exceeds Guidelines: Re-stated to Non-QM<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Re-stated to Non-QM | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10362 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Income Documentation - Income documentation requirements not met. | Waterfall due to missing most recent (XXXX) signed and dated tax return.<br> Income documents are missing signed and dated most recent tax returns. | SELLER - GENERAL COMMENT (XX/XX/XXXX): ? Loan closed XXXX XXXX - XXXX tax return would not be due yet. Attached XXXX & XXXX personal returns with tax transcripts which are acceptable in lieu of signature<br> REVIEWER - CANCELLED COMMENT (XX/XX/XXXX): Tax transcripts are in the file.<br> REVIEWER - RE-OPEN COMMENT (XX/XX/XXXX): Cancelled in error<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Waterfalling due to complete 2 year employment history was not provided for co-borrower. Missing LOE.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ? Loan closed XXXX XXXX - XXXX tax return would not be due yet. Attached XXXX & XXXX personal returns with tax transcripts which are acceptable in lieu of signature<br> REVIEWER - CANCELLED COMMENT (XX/XX/XXXX): Tax transcripts are in the file.<br> REVIEWER - RE-OPEN COMMENT (XX/XX/XXXX): Cancelled in error<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): No Loe for gap but due to covid. XXXX tax transcripts are not in file. only XXXX, XXXX, & XXXX. XXXX not due yet<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): No LOE for gap provided, exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Waterfall due to missing most recent (XXXX) signed and dated tax return. Also, co-borrower had an employment gap from XX/XX/XXXX through XX/XX/XXXX.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Waterfall due to missing most recent (XXXX) signed and dated tax return. Also, co-borrower had an employment gap from XX/XX/XXXX through XX/XX/XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): ? Loan closed XXXX XXXX - XXXX tax return would not be due yet. Attached XXXX & XXXX personal returns with tax transcripts which are acceptable in lieu of signature<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Waterfalling due to complete 2 year employment history was not provided for co-borrower. Missing LOE for employment gap.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): No Loe for gap but due to covid.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): No LOE for gap provided, exception remains.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ? Loan closed XXXX XXXX - XXXX tax return would not be due yet. Attached XXXX & XXXX personal returns with tax transcripts which are acceptable in lieu of signature<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Waterfalling due to complete 2 year employment history was not provided for co-borrower. Missing LOE for employment gap.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): No Loe for gap but due to covid<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): No LOE for gap provided, exception remains.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10364 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO waive<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Missing evidence of intial application date<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing Evidence of XX/XX/XXXX appraisal report receipt.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Missing evidence of initial application<br> Federal Compliance - Missing Initial Loan Application Testing: Missing evidence of receipt of intial applicaion<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Homeownership Counseling List is missing. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10365 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing E-Sign Consent Agreement. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $450.00 exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $450.00 exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10366 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX.<br> [2] Guideline Issue - Housing history reflects lates that do not meet guidelines.: Credit Report: Original // Borrower: XXXX Housing history reflects a total of 1 reported late payments.<br> [2] Income Error - Income document is missing the document date and/or tax year.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX // Document: VVOE / Document Date: / Tax Year: <br> [2] Income Error - Income document is missing the document date and/or tax year.<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Bank statements are not provided to cover cash from borrower requirement $XXXX. Retirement Funds of $XXXX are disclosed in the Final 1003 but Bank statements are missing in the file.<br> Bank statements are not provided to cover cash from borrower requirement $XXXX. Retirement Funds of $XXXX are disclosed in the Final 1003 but Bank statements are missing in the file.<br> Total verified assets of $XXXX. Available for reserves is $0.00. Retirement Funds of $XXXX are disclosed in the Final 1003 but Bank statements are missing in the file.<br> Housing history reflects a total of 1 reported late payments.<br> Verbal Verification of Employment provided, does not have a document date<br> Verbal Verification of Employment provided does not have a document date<br> Verbal Verification of Employment provided does not have a document date.<br> Purchase Agreement is missing<br> Missing employment verification dated within 10 business days of Note. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - CHARM Booklet Disclosure Timing: CHARM Booklet provided XX/XX/XXXXas not within 3 days of application XX/XX/XXXXFederal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Earlier receipt was not provided for the Closing Disclosure. The only verified receipt was the one signed at close.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10367 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3145915)<br> [3] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: The final Closing Disclosure dated XX/XX/XXXX non-escrowed property cost is blank on page 4.<br> Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: The mortgage insurance payment of $62.38 disclosed on the Final Closing Disclosure does not match. |  | Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10368 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower not provided in file.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10369 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Tax Service Fee (Life Of Loan) increased to $84.00 on the Closing Disclosure XX/XX/XXXX. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower not provided in file.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10370 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 3 | [3] Appraisal Documentation - Loan is to be securitized. The only valuation provided was a Drive by. It is interpreted that this Drive By was used in lieu of URAR and that this file is missing the secondary valuation (GSE COVID19) | Investor to provide. | SELLER - GENERAL COMMENT (XX/XX/XXXX): THIS WAS A COVID ORIGINATION. EXTERIOR ONLY APPRAISAL COMMON AND ACCEPTABLE TO USE DURING THIS TIME<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Secondary valuation required. Investor to provide. | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: TILA-RESPA Integrated Disclosure - Loan Calculations: APR of 3.09900% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR of 4.19586% outside ofXX% tolerance. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $214,038.87 is under disclosed by $114,119.68 compared to the calculated Finance Charge of $328,158.55 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $620,686.87 is under disclosed by $114,119.68 compared to the calculated total of payments of $734,806.55 which exceeds the $100.00 threshold. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Adjustable-Interest Rate Table disclosed index as IBOXX/XX/XXXXnth compared to the Note disclosed index of Prime (WSJ).<br> Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: Loan Calculations: APR of 3.09900% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR of 4.19586% outside ofXX% tolerance. (FinXX/XX/XXXX)<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure finance charge disclosed amount of $214,038.87, calculated total of payments of $328,158.55. There is a variance of $114,119.68.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Closing Disclosure total of payments disclosed amount of $620,686.87, calculated total of payments of $734,806.55. There is a variance of $114,119.68.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10371 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Re-stated to Non-QM<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Client redesignated to Small Creditor only 6 months receipt verified child support and alimony. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10372 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Property Eligibility - Site and Utilities - Genesee County Water Contamination: Property is located in Genesee County, MI and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards | E-sign Consent Agreement is missing. | SELLER - GENERAL COMMENT (XX/XX/XXXX): loan is past statute of limitations for this to be needed for timing requirements.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Initial Closing Disclosure signed electronically, exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure was not provided to the borrower within three (3) days of application.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10373 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO WAIVE<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10374 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10375 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 27,314.76 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on XX/XX/XXXX disclosed a product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect product disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Amount of Estimated Property Costs over Year 1 of 27,314.76 on Final Closing Disclosure provided on XX/XX/XXXX is overdisclosed.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: The Appraisal receipt verification was provided for the report date of XX/XX/XXXX but not the updated report of XX/XX/XXXX.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10376 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (43-Q) | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of XXX is less than Guideline representative FICO score of 720.<br> [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | The Co-Borrower's credit score is below requirements. Lender exception approved to use Borrower's credit score only. The Verification of Mortgage on the subject property is missing.<br> Loan was approved with lower than min FICO score required per guideline. Lender approved exception in file, lender approved exception in file does not specify compensating factor.<br> A Verification of Mortgage for the subject property is missing. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): This is a credit guideline requirement.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): This is a credit guideline requirement.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): This is a credit guideline requirement.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,250.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10378 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | VOE within 10 business days from the note for the co-borrower was not provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached 10 day vvoes for both borrowers<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VOE provided for XXXX has XX/XX/XXXXate of verification is not within 10 business days from the note, please provided.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached 10 day vvoes for both borrowers<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VOE provided for XXXX has XX/XX/XXXXate of verification is not within 10 business days from the note, please provided.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10379 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10380 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10381 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,384.10 exceeds tolerance of $3,268.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10382 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10383 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing Electronic Consent | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Appraisal was provided to the borrower on XX/XX/XXXX which was before the Appraisal Report dated XX/XX/XXXX |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10384 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10385 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product. (Final/XX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/XX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments. (Final/XX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (Final/XX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Payments Interest Only: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the term "only interest" for loan containing an interest only payment. (ProjSeq:1/3146420)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 9,885.04 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (Final/XX/XX/XXXX)<br> [3] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-400.00. Insufficient or no cure was provided to the borrower. (9300)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Since the loan is not paying off a same lender mortgage, the transaction is not considered a lender-to-lender refinance, and H8 is required.<br> Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product. (Final/XX/XX/XXXX)<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/XX/XX/XXXX)<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Projected Payments Interest Only: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the term "only interest" for a loan containing an interest-only payment. (ProjSeq:1/3146420)<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Amount of Estimated Property Costs over Year 1 of $9,885.04 on Final Closing Disclosure provided on XX/XX/XXXX are over-disclosed.<br> Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-400.00. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Payments Interest Only: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10386 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10387 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10388 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX.<br> [2] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX | Waterfall due to missing 2 months bank statements for XXXX account XXXX as required by the guidelines.<br> XX/XX/XXXX to XX/XX/XXXX statement provided for XXXX account XXXX and guidelines require 2 months bank statements to verify assets. | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX ACCT #XXXX IS NEW ACCOUNT - FUNDS DEPOSITED INTO THIS ACCOUNT CAME FROM THE 401K RETIREMENT ACCOUNT (BALANCE IS THE DEPOSIT FROM THE 401K) NO OTHER ACTIVITY- 2 BANK STATEMENTS FOR THE XXXX ACCT IS NOT POSSIBLE TO GET HOWEVER THE ASSETS FOR THE XXXX ACCT CAME FROM THE 401K ACCT WHICH DOES HAVE MORE THAN 2 BANK STATEMENTS MEETING GUIDELINES<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Guidelines do not specify new accounts. It states 2 months required. This issue can be downgraded from a grade 3 to a grade 2 with valid compensating factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX ACCT #XXXX IS NEW ACCOUNT - FUNDS DEPOSITED INTO THIS ACCOUNT CAME FROM THE 401K RETIREMENT ACCOUNT (BALANCE IS THE DEPOSIT FROM THE 401K) NO OTHER ACTIVITY- 2 BANK STATEMENTS FOR THE XXXX ACCT IS NOT POSSIBLE TO GET HOWEVER THE ASSETS FOR THE XXXX ACCT CAME FROM THE 401K ACCT WHICH DOES HAVE MORE THAN 2 BANK STATEMENTS MEETING GUIDELINES<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Guidelines do not specify new accounts. It states 2 months required. This issue can be downgraded from a grade 3 to a grade 2 with valid compensating factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Do I provide the compensating factors or does SitusAMC provide for XXXX?<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide compensating factors for downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - General Ability To Repay Provision Non QM DTI moderately exceeds Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the 1026.43(c)(5) of 45.40% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.)<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - ARM Disclosure Timing Test: Application date was XX/XX/XXXX and disclosure was provided XX/XX/XXXX.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Re-stated to Non-QM<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Re-stated to Non-QM<br> Federal Compliance - General Ability To Repay Provision Non QM DTI moderately exceeds Guidelines: Re-stated to Non-QM<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Re-stated to Non-QM | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10389 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $XXXX, and the estimated cost new is not disclosed on the appraisal. Based on hazard insurance coverage of $XXXX, plus extended coverage of $XXXX, for total coverage of $XXXX, the loan is short of the required coverage by $XXXX. An Insurer's Replacement Cost Estimate was not in file. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10390 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal completed "subject to completion"; no 442 or other evidence provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Do not have final inspection or coo. | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether Homeowners Insurance is included in escrow. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether property taxes are included in escrow. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Timing: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether Homeowners Insurance is included in escrow.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on XX/XX/XXXX disclosed a product that does not match the actual product for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether property taxes are included in escrow.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing evidence of XX/XX/XXXX appraisal report.<br> State Compliance - Michigan CMPA Home Loan Toolkit Timing: Home Loan Toolkit not provided to borrower within three business days of application.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA SOL Expired B C |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing.: Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. The current primary residence is being included in the DTI.<br> Unable to verify 2-year commission income over a period of at least two (2) years due to missing most recent tax returns. Also, mortgage statement is missing for XXXX, unable to verify P&I, taxes, insurance, and HOA.<br> AddedXX/XX/XXXX Hazard insurance effective dateXX/XX/XXXX post note date ofXX/XX/XXXX. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED 2 YEARS TAX RETURNS WITH TRANSCRIPTS (XXXX & XXXX). XXXX TAXES WERE NOT DUE TO BE FILED YET. INCLUDED 3 YEARS W2S. ALOS ATTACHED REO MTG, TAXES AND INSURANCE ON PRIOR EXCEPTION<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide end of year paystub for XXXX and XXXX showing total commission payout.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): initial exception and all other income exceptions indicated tax returns needed. those were uploaded from the loan file. now we have an exception for missing year end paystubs - attached the VOE from the loan file which breaks down the other income for this borrower. all income exceptions for this loan should be satisfied.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide end of year paystub for XXXX and XXXX showing total commission payout.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Disagree, the VOE provided shows year end income information for this borrower. This is sufficient to detail income outside of base income the borrower receives.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Base pay if $XXXX.<br>Commission pay breakdown you must use an average of 2 years with appendix Q.<br>YTD commission $XXXX. Year XXXX $XXXX Year XXXX $XXXX. Aver for 2 years $XXXX and the lender is using $XXXX not able to determine how they calculated this amount.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): So the borrower per the VOE, only 1 year and 4 months shown for job at XXXX. Prior to XXXX, borrower went to XXXX for 1 month after working for XXXXclose to 10 years. See attached VOE. the XXXX W2 was provided as well from XXXXto support the borrowers income. It is reasonable the income the lender used to qualify the borrower. She made $XXXXin XXXX at XXXXper W2, $XXXX in XXXX at XXXXwith $XXXX from XXXX total of $XXXX, & $XXXXin XXXX - uploading the XXXXw2s as well<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is being escalated to confirm we can use previous commission from previous employment.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): So the XXXXjob was 11 years on the job at time loan was made and the XXXX job was less than 2 months. If the lender is wanting to include the XXXX commission income for those 55 days, App Q addresses that under Section 8:<br> 8. Qualifying Commission Income Earned for Less Than One Year.<br> a. Commission income earned for less than one year is not considered effective income. Exceptions may be made for situations in which the consumer's compensation was changed from salary to commission within a similar position with the same employer.<br> b. A consumer may also qualify when the portion of earnings not attributed to commissions would be sufficient to qualify the consumer for the mortgage.<br>Exceptions remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment Period: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Interest Only Payments Period. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Loan Term: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Loan Term that does not match the actual loan term for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3133793)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3133792)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of 46.62% moderately exceed the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.)<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely): Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure at Closing. | Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: .<br> Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment Period: Note tenure of 30 years is not matching with Closing Disclosure tenure of 31 years.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: Note tenure of 30 years is not matching with Closing Disclosure tenure of 31 years.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Note tenure of 30 years is not matching with Closing Disclosure tenure of 31 years.<br> Federal Compliance - TRID Final Closing Disclosure Loan Term: Note tenure of 30 years is not matching with Closing Disclosure tenure of 31 years.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Note tenure of 30 years is not matching with Closing Disclosure tenure of 31 years.<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: Note tenure of 30 years is not matching with Closing Disclosure tenure of 31 years.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest: Note tenure of 30 years is not matching with Closing Disclosure tenure of 31 years.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Closing Disclosure is not the correct product per Note.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Note tenure of 30 years is not matching with Closing Disclosure tenure of 31 years.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Note tenure of 30 years is not matching with Closing Disclosure tenure of 31 years.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Unable to verify 2-year commission income over a period of at least two (2) years due to missing most recent tax returns. Also, mortgage statement is missing for XXXX, unable to verify P&I, taxes, insurance, and HOA.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Less than two years commission used for qualifying.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines: Re-stated to Non-QM<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Unable to verify 2-year commission income over a period of at least two (2) years due to missing most recent tax returns. Also, mortgage statement is missing for XXXX, unable to verify P&I, taxes, insurance, and HOA.<br> State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Disclosure is missing from file. | SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED 2 YEARS TAX RETURNS WITH TRANSCRIPTS (XXXX & XXXX). XXXX TAXES WERE NOT DUE TO BE FILED YET. INCLUDED 3 YEARS W2S. ALOS ATTACHED REO MTG, TAXES AND INSURANCE ON PRIOR EXCEPTION<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide end of year paystub for XXXX and XXXX showing total commission payout.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): initial exception and all other income exceptions indicated tax returns needed. those were uploaded from the loan file. now we have an exception for missing year end paystubs - attached the VOE from the loan file which breaks down the other income for this borrower. all income exceptions for this loan should be satisfied.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide end of year paystub for XXXX and XXXX showing total commission payout.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Disagree, the VOE provided shows year end income information for this borrower. This is sufficient to detail income outside of base income the borrower receives.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Base pay if $XXXX.<br>Commission pay breakdown you must use an average of 2 years with appendix Q.<br>YTD commission $XXXX. Year XXXX $XXXX Year XXXX $XXXX. Aver for 2 years $XXXX and the lender is using $XXXX not able to determine how they calculated this amount.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): So the borrower per the VOE, only 1 year and 4 months shown for job at XXXX. Prior to XXXX, borrower went to XXXX for 1 month after working for XXXXclose to 10 years. See attached VOE. the XXXX W2 was provided as well from XXXXto support the borrowers income. It is reasonable the income the lender used to qualify the borrower. She made $XXXXin XXXX at XXXXper W2, $XXXX in XXXX at XXXXwith $XXXX from XXXX total of $XXXX, & $XXXXin XXXX - uploading the XXXXw2s as well<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is being escalated to confirm we can use previous commission from previous employment.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): So the XXXXjob was 11 years on the job at time loan was made and the XXXX job was less than 2 months. If the lender is wanting to include the XXXX commission income for those 55 days, App Q addresses that under Section 8:<br> 8. Qualifying Commission Income Earned for Less Than One Year.<br> a. Commission income earned for less than one year is not considered effective income. Exceptions may be made for situations in which the consumer's compensation was changed from salary to commission within a similar position with the same employer.<br> b. A consumer may also qualify when the portion of earnings not attributed to commissions would be sufficient to qualify the consumer for the mortgage.<br>Exceptions remains.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED 2 YEARS TAX RETURNS WITH TRANSCRIPTS (XXXX & XXXX). XXXX TAXES WERE NOT DUE TO BE FILED YET. INCLUDED 3 YEARS W2S. ALOS ATTACHED REO MTG, TAXES AND INSURANCE ON PRIOR EXCEPTION<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide end of year paystub for XXXX and XXXX showing total commission payout.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): initial exception and all other income exceptions indicated tax returns needed. those were uploaded from the loan file. now we have an exception for missing year end paystubs - attached the VOE from the loan file which breaks down the other income for this borrower. all income exceptions for this loan should be satisfied.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide end of year paystub for XXXX and XXXX showing total commission payout.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Disagree, the VOE provided shows year end income information for this borrower. This is sufficient to detail income outside of base income the borrower receives.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Base pay if $XXXX.<br>Commission pay breakdown you must use an average of 2 years with appendix Q.<br>YTD commission $XXXX. Year XXXX $XXXX Year XXXX $XXXX. Aver for 2 years $XXXX and the lender is using $XXXX not able to determine how they calculated this amount.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): So the borrower per the VOE, only 1 year and 4 months shown for job at XXXX. Prior to XXXX, borrower went to XXXX for 1 month after working for XXXXclose to 10 years. See attached VOE. the XXXX W2 was provided as well from XXXXto support the borrowers income. It is reasonable the income the lender used to qualify the borrower. She made $XXXXin XXXX at XXXXper W2, $XXXX in XXXX at XXXXwith $XXXX from XXXX total of $XXXX, & $XXXXin XXXX - uploading the XXXXw2s as well<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is being escalated to confirm we can use previous commission from previous employment.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): So the XXXXjob was 11 years on the job at time loan was made and the XXXX job was less than 2 months. If the lender is wanting to include the XXXX commission income for those 55 days, App Q addresses that under Section 8:<br> 8. Qualifying Commission Income Earned for Less Than One Year.<br> a. Commission income earned for less than one year is not considered effective income. Exceptions may be made for situations in which the consumer's compensation was changed from salary to commission within a similar position with the same employer.<br> b. A consumer may also qualify when the portion of earnings not attributed to commissions would be sufficient to qualify the consumer for the mortgage.<br>Exceptions remains.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment Period: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Loan Term: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely): "The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure." | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10393 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 2 | [2] Document Error - Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | XXXX. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $238,330.82 is under disclosed by $5,677.90 compared to the calculated Finance Charge of $244,008.72 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $599,379.52 is under disclosed by $5,712.90 compared to the calculated total of payments of $605,092.42 which exceeds the $35.00 threshold. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance charge disclosed is $238,330.82. Calculated finance charge is $244,008.72. there is a variance of -$5,677.90.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Total of Payments disclosed is $599,379.52. Calculated amount financed is $605,092.42. Total of Payments Variance is -$5,712.90. |  | Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10394 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Loan is past statute of limitations for this disclosure to be needed for timing purposes.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Initial closing disclosure signed electronically, exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for After Hours Closing/Post Closing Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75100) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10395 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $570.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10396 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10398 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (43-Q) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Missing electronic consent.<br> HOI coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED. XXXX TO REVIEW.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO REVIEW/WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment."<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Status: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Missing Evidence of Initial Loan Application Date<br> Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: The loan file does not contain evidence that the refinance was by the original creditor.<br> Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>Effective XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10399 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 2 | 2 | [2] Guideline Issue - Aged document: Primary Valuation is older than guidelines permit: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX<br> [2] Asset Documentation - Asset documentation requirements not met.<br> [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $XXXX.<br> [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Appraisal effective date XX/XX/XXXX is greater than 120 days of subject loan note date XX/XX/XXXX. No evidence of a 442 re-verification of Appraisal value.<br> Waterfall due to missing bank statement.• The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> Twelve-month verification of rent was not found in loan file.• The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> File is missing two months bank statements for Shore to Shore account 0020 which was used to qualify per Final 1003.• The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> Twelve-month verification of rent was not found in loan file.• The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Recert of value not obtained as this was a workout situation based on the increase in property taxes. See email from Operations manager. Loan was started under another application but was denied so the information from the original file was just transferred over to the new file.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender agrees appraisal was greater than 120 days.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Only 1 month obtained as loan was started under another application where additional statements were obtained however there would be a 1 month gap.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender agrees there was a gap in statements and only 1 month was obtained.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED XXXX STATEMENT USED FOR FUNDS TO CLOSE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Bank statements for 2 months not provided, account activity print off not an acceptable form of bank statement.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Only 1 month obtained as loan was started under another application where additional statements were obtained however there would be a 1 month gap.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender agrees there was a gap in statements and only 1 month was obtained.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Not obtained at origination as the bank was servicing and doing a workout due to the increase in escrows.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender agreed that it was not obtained.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10400 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $160.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Ten Percent Fee Tolerance exceeded. Total amount of $160.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10401 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10402 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Application / Processing - Missing Document: Flood Certificate not provided |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $60.00 exceeds tolerance of $30.00 plus 10% or $33.00. $27.00 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $59.40 exceeds tolerance of $55.00. $4.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: A valid COC for the fee increase was not provided. No cure at close.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: A valid COC for the fee increase was not provided. No cure at close.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10403 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated loan to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10404 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10406 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM | 2 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX.<br> [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Required $XXXX to close; however, actual cost to close was $XXXX, resulting in a shortage. Missing invoice for HOI premium paid prior to close by borrower.<br> Required $XXXX to close; however, actual cost to close was $XXXX, resulting in a shortage. Missing invoice for HOI premium paid prior to close by borrower.<br> Insurance coverage is insufficient by $XXXX based on (80% of value or $XXXX), there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Loan is SHQM. assets in file sufficient for closing but do not account for hoi paid prior to closing. XXXX TO review.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The total funds to close include all fees paid outside of closing, any gift funds and earnest money. If the HOI is not sourced to confirm the payment, it will cause funds to be short.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): If this meets SHQM, then the loan is SHQM<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): provided proof that the borrower paid the policy.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): No supporting documentation uploaded for HOI to prove that it was paid prior to close by borrower.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan has enough documentation to pass safe harbor, but not reach temp qm<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Loan is SHQM. assets in file sufficient for closing but do not account for hoi paid prior to closing. XXXX TO review.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): The hoi was renewed in XXXX XXXX by the way...the loan closed in XXXX so the hoi had been paid long before the loan application<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The total funds to close include all fees paid outside of closing, any gift funds and earnest money. If the HOI is not sourced to confirm the payment, it will cause funds to be short.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Policy shows renewed XXXX XXXX. Why would a lender make a borrower go back 9 months for a bank statement to show the payment when they have the policy that shows active from XXXX XXXX-XXXX which means the policy is paid for?<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): providing proof that the borrower paid the policy.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): No supporting documentation uploaded for HOI to prove that it was paid prior to close by borrower.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Per seller - XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated to SHQM |  | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10407 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Interim Closing Disclosure Timing Irregular APR Change: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Interim Closing Disclosure Timing Irregular APR Change: CD dated XX/XX/XXXX is not received by borrower at least three business days prior to consummation.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Interim Closing Disclosure Timing Irregular APR Change: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10408 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 2 | [2] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | File is missing copy of Primary Mortgage Insurance doc | SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, based on LTV, Loan Amount and credit score, MI was not required.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per guidelines provided at time of review, • MI required if First Mortgage is greater than 80% LTV<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached correct guidelines for this loan where MI is not required. Apologies as lender initially flagged the incorrect guides. Please use the attached<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. No MI at 85% per the product matrix requires 740 credit score, Borrower representative score isXXX.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Attached are the credit reports. FICO score is 764 which is the lowest mid of the 4 borrowers. Please advise where you are gettingXXX from.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Mid qualifying representative score isXXX, no MI at 85% per the product matrix requires 740 credit score.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $620.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Re-stated to Non-QM<br> Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Waterfall finding due to missing XXXX/co-borrower's 4506 for the year of XXXX and XXXX.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Re-stated to Non-QM | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10409 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying housing ratio discrepancy.: Calculated investor qualifying housing ratio of XX% exceeds Guideline housing ratio of XX%.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Lender exception; borrowers are purchasing a home prior to the sale of their current residence (tentatively closing XXXX XXXX). DTI of 72%, as the current residence is not selling until XXXX XXXX. Borrower was approved for higher DTI.<br> Per guidelines, the maximum front-end ratio is 25.0%.<br> Loan was approved with higher DTI. There is a lender-approved exception for DTI 72%; however, compensating factors are not listed on the exception. | SELLER - GENERAL COMMENT (XX/XX/XXXX): exception approval uploaded<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Approved lender exception in file from origination for DTI.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): exception approval uploaded<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Approved lender exception in file from origination for DTI.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): exception uploaded<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Approved lender exception in file from origination for DTI. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,451.00 exceeds tolerance of $1,531.00 plus 10% or $1,684.10. $766.90 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of 73.05% significantly exceed the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% fee violation due to an increase in the fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $766.90, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Qualification method used, note rate per 1008.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines: Loan was approved with higher DTI. There is a lender-approved exception for DTI 72%; however, compensating factors are not listed on the exception. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached exception approval<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): This exception is not eligible for re-grade from level 3 to level 2 without compelling comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per the attached exception tracking the CF/compensating factor is 8 which from the table means Temporary Situation. Also including the approved exception from loan file which indicates the dti is high due to current residence included in dti to be sold XXXX XXXX hence the temporary situation.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10410 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - CHARM Booklet Provided Through Home Loan Toolkit: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet provided to the borrower through Home Loan Toolkit.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - CHARM Booklet Provided Through Home Loan Toolkit: CHARM Booklet provided to the borrower through Home Loan Toolkit.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing appraisal delivery<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10411 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3134501)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 10,005.49 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Adjustable-Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note.<br> Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Amount of Estimated Property Costs over Year 1 of $10,005.49 on Final Closing Disclosure provided on XX/XX/XXXX are over disclosed.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Fee was last disclosed as $400.00 on LE but disclosed as $800.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $400.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10412 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 is charged on Final Closing Disclosure however $475.00 is charged on Loan Estimate. There is no cure amount or cure letter in file. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10413 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $56.80 exceeds tolerance of $34.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10414 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying housing ratio discrepancy.: Calculated investor qualifying housing ratio of XX% exceeds Guideline housing ratio of XX%. | Per guidelines max front end DTI is 25%. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Per the SitusAMC comments, the front ratio is 26% which is less than the threshold of 35%. Can you provide more detail for the exception if there is something to be cleared?<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Comment corrected. Per guides - Debt-to-Income and Housing Ratio Max front end 25.0%. Max back ratio 45.0%. Front-end DTI isXX%, per calculation and 1008.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached exception approval<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender exception provided. | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $465.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10415 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Maximum Loan Amount discrepancy.: Note loan amount of $XXXX is greater than Guideline maximum loan amount of $300,000.00. | Note loan amount of $XXXX is greater than Guideline maximum loan amount of $300,000.00.<br> Note loan amount of $XXXX is greater than Guideline maximum loan amount of $300,000.00. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): this is a credit guideline requirement.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): this is a credit guideline requirement.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used however it is correctly selected as H-9.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10416 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:843XX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated loan to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10417 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $77.40 exceeds tolerance of $63.00. $14.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Report Fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10418 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. |  |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10419 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying housing ratio discrepancy.: Calculated investor qualifying housing ratio of XX% exceeds Guideline housing ratio of XX%.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Income: $XXXX.<br> Subject Mortgage P&I: $XXXX (per guideline qualification method of Fixed term less than seven years-Locked rate + 2%).<br> Total Other Financing. N/A.<br> Hazard $XXXX.<br> Flood: $XXXX.<br> MI $n/a.<br> Taxes $XXXX.<br> Non subject REO $n/a.<br> HOA DUES $n/a.<br> Calculated investor qualifying total debt ratio of XX% exceeds guides total debt ratio of 45%. Per 1008, loan was approved with DTI XX%, however, lender approved exception for DTI >45% was not provided.<br> Data being used in calculations.<br> Income: $XXXX.<br> Subject Mortgage P&I: $XXXX (per guideline qualification method of Fixed term less than seven years-Locked rate + 2%).<br> Total Other Financing. N/A.<br> Hazard $XXXX.<br> Flood: $XXXX.<br> MI $n/a.<br> Taxes $XXXX.<br> Non subject REO $n/a.<br> HOA DUES $n/a.<br> Credit debt $XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Attached lender exception for DTI<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review. lender exception provided but no compensating factors for DTI.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Attached lender exception for DTI<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review. lender exception provided but no compensating factors for DTI.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $692.10 exceeds tolerance of $567.00 plus 10% or $623.70. $68.40 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of 56.68% significantly exceed the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $692.10 exceeds tolerance of $567.00 plus 10% or $623.70. $68.40 over legal limit, with no valid change of circumstances and no cure was provided to borrower.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Re-stated to Non-QM<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines: Re-stated to Non-QM | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10420 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | E-sign Consent Agreement is missing.<br> Loan file is missing a VVOE.<br> The VVOE is dated XX/XX/XXXX which is not within 10 business days of the Note date. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender, No verbal VOE obtained<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A verification of employment is required to be completed at least 10 business prior to the Note date. File is missing a verbal or written verification of employment dated within 10 business days of the Note date.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender, No verbal VOE obtained<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A verification of employment is required to be completed at least 10 business prior to the Note date. File is missing a verbal or written verification of employment dated within 10 business days of the Note date.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence of borrower's receipt of the appraisal three days prior to closing was not provided.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10421 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Receipt dated XX/XX/XXXX however appraisal report dated XX/XX/XXXX. |  |  |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10423 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Tax Service Fee (Life of Loan) was last disclosed as $81.00 on LE, but disclosed as $84.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): The loan is a purchase, transferred within 3 years. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10424 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Maximum Loan Amount discrepancy.: Note loan amount of $XXXX is greater than Guideline maximum loan amount of $300,000.00. | Note loan amount of $XXXX is greater than Guideline maximum loan amount of $300,000.00. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived with compensating factors per lender exception approval. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence that borrower received a copy of appraisal 3 business days to closing.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10425 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $134.80 exceeds tolerance of $67.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10426 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10427 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $200,737.47 is under disclosed by $7,858.54 compared to the calculated Finance Charge of $208,596.01 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $528,017.37 is under disclosed by $7,858.54 compared to the calculated total of payments of $535,875.91 which exceeds the $100.00 threshold. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. $4.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure XX/XX/XXXX disclosed a finance charge of $200,737.47; calculated finance charge is $208,596.01. Variance is $7,858.54.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Closing Disclosure XX/XX/XXXX disclosed a total of payments of $528,017.37; calculated finance charge is $535,875.91. Variance is $7,858.54.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Report fee increased to $67.40 on the Closing Disclosure XX/XX/XXXX; there was a $4.00, however, it was not sufficient for a $4.40 violation. |  | Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10428 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10429 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met.<br> [2] General - Missing Document: Verification of Non-US citizen Status not provided<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Loan file is missing a verbal verification of employment for borrower's XXXX employment.<br> Per final 1003, borrower is a Resident Alien however supporting doc was not provided.<br> The file is missing VVOE for borrower's XXXX employment | SELLER - GENERAL COMMENT (XX/XX/XXXX): VVOE FOR THIS JOB IS ACTUALLY NOT NEEDED. BORROWER QUALIFIES WITH INCOME FROM ONE JOB ONLY WHICH 10 DAY VVOE WAS IN FILE. THE VVOE FOR OTHER JOB IS IN THE FILE DATED 7/12 JUST OUTSIDE OF 10 BUSINESS DAYS BUT VERIFIES THE BORROWERS EMPLOYMENT OF OVER 2 YEARS. IF ONLY ONE INCOME USED, DTI IS 21%<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VVOE for borrower's XXXX employment (2nd job) is required per guidelines.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached 10 day vvoe<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Trailing VOE already in file and accounted for. Exception is 2nd job with XXXX.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender did not get<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Assigned to buyer - seller did not obtain verification of non-US citizen status.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): VVOE FOR THIS JOB IS ACTUALLY NOT NEEDED. BORROWER QUALIFIES WITH INCOME FROM ONE JOB ONLY WHICH 10 DAY VVOE WAS IN FILE. THE VVOE FOR OTHER JOB IS IN THE FILE DATED 7/12 JUST OUTSIDE OF 10 BUSINESS DAYS BUT VERIFIES THE BORROWERS EMPLOYMENT OF OVER 2 YEARS. IF ONLY ONE INCOME USED, DTI IS 21%<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VVOE for borrower's XXXX employment (2nd job) is required per guidelines.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached 10 day vvoe<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Trailing VOE already in file and accounted for. Exception is 2nd job with XXXX.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10430 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 18,249.11 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Loan is a ARM interest only loan and the final CD AP table does not specify the first change/Amount value and subsequent changes value.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 18,249.11 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Last transfer date isXX/XX/XXXX. This note date isXX/XX/XXXX. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10431 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] General - The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio.: Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | Missing electronic consent.<br> Total verified income of $XXXX, qualifying PITIA $XXXX,Credit debt $XXXX and Negative REO of $XXXX. Lender Approval and 1008 approved with a DTI XX% | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure disclosed loan Product of 1 Year Interest Only, 6/6 Adjustable Rate does not match the Calculated Loan Product of 12 Month Interest Only, Adjustable Rate. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: The Final Closing Disclosure indicated there would not be an escrow account, but the box for disclosure of the estimated property costs over year 1 was left blank.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Transfer date isXX/XX/XXXX and note date isXX/XX/XXXX. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10432 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent agreement is missing in the file. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,704.00 exceeds tolerance of $1,515.00 plus 10% or $1,666.50. $37.50 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Total amount of $1,704.00 exceeds tolerance of $1,515.00 plus 10% or $1,666.50. $37.50 over legal limit. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10433 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely): Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure at Closing.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $350.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely): "The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure." |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10434 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing receipt evidence of appraisal receipt three (3) business days prior to closing. |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10435 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> [2] Income Documentation - Income documentation requirements not met. | Per guidelines, properties with more than 40 acres are not eligible. Lender exception was not provided. Subject property site is XX acres.<br> DTI of XX% is higher than the maximum guidelines limit of 45%. Approval documents have a DTI XX%. Lender exception with compensating factors was not provided.<br> Missing Appendix Q required YTD P&L Statement and Balance Sheet to support self employment income. | SELLER - GENERAL COMMENT (XX/XX/XXXX): exception approvals for dti and acreage uploaded<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Apologies - no exception was made for the acreage<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client agrees with finding.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): exception approval uploaded<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender approved exception with compensating factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): YTD P&L and balance sheet are not required. Farming sch c was a loss and used against the borrower.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): This is a waterfall exception due to missing Appendix Q required YTD P&L Statement and Balance Sheet to support self employment income.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of 55.57% significantly exceed the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,400.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Waterfall due to missing third-party verification for current and previous employments. Unable to establish start date and durations for employment history.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines: DTI of XX% is higher than the maximum guidelines limit of 45%. Approval documents have a DTI XX%. Lender exception with compensating factors was not provided.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: This is a waterfall exception due to missing Appendix Q required YTD P&L Statement and Balance Sheet to support self employment income. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached exception approval<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached approval<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): This is a waterfall exception due to missing Appendix Q required YTD P&L Statement and Balance Sheet to support self employment income.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): YTD P&L and balance sheet are not required. Farming sch c was a loss and used against the borrower.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): This is a waterfall exception due to missing Appendix Q required YTD P&L Statement and Balance Sheet to support self employment income.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Not seeing on Appendix Q where it states you have to have a P&L even for negative income that is being taken out of the qualifying income.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): This is a waterfall exception due to missing Appendix Q required YTD P&L Statement and Balance Sheet to support self employment income.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): YTD P&L and balance sheet are not required. Farming sch c was a loss and used against the borrower.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): This is a waterfall exception due to missing Appendix Q required YTD P&L Statement and Balance Sheet to support self employment income.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2 with comp factors.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Allowable per seller guidelines.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10437 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 5,710.21 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: ustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 5,710.21 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Proof of appraisal delivery report is not available in file for Appraisal Report date XX/XX/XXXX.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10439 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10440 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 2 | [2] Guideline Issue - Borrower has been on current job less than 2 years, and prior employment history was not documented as required.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of is less than Guideline representative FICO score of 640.<br> [2] Income Documentation - Income documentation requirements not met. | Missing two years of employment income history.<br> Missing FICO scores in the credit report.<br> Waterfall exception due to missing two years of employment income history. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached the correct report. borrower does not have credit score due to lack of credit alt credit obtained and included in the attached<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Borrower worked in another country. lender supplied w2s and clc exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing verification from employer of original start date to verify 2 year history. TWN in file reflects date of transition to US.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED CREDIT REPORT FROM FILE THAT INCLUDES THE SCORES<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Please disregard this credit report. it's not for the correct borrower.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Credit report not for the borrower.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached the correct report. borrower does not have credit score due to lack of credit alt credit obtained and included in the attached<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review. Credit report in file doesn't include credit score.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Borrower worked in another country. lender supplied w2s and clc exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing verification from employer of original start date to verify 2 year history. TWN in file reflects date of transition to US.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $570.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - ARM Disclosure Timing Test: Initial 1003 not provided in file.<br> Federal Compliance - CHARM Booklet Disclosure Timing: Initial 1003 not provided in file.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Re-stated to Non-QM<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Re-stated to Non-QM<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Re-stated to Non-QM<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Initial 1003 not provided in file. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Restated to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Restated to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10441 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Income Documentation - Income documentation requirements not met. | Waterfall due to missing third party verification for borrower's Schedule C self-employment that was used to qualify. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, No verbal obtained for secondary income (Schedule C). Provided 1099 statements as proof of business receipt of income.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan is testing against the standard APOR guides. Third party verification within 120 days prior to note date for borrower's Schedule C self-employment that was used to qualify is required.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $550.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - ARM Disclosure Timing Test: Application date is XX/XX/XXXX and disclosure was dated XX/XX/XXXXFederal Compliance - TRID Loan Estimate Timing: Application date isXX/XX/XXXXearliest Loan Estimate in file is XX/XX/XXXX.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Receipt of the right to receive a copy of the appraisal disclosure or Loan Estimate not within 3 days of XX/XX/XXXXpplication.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: The updated Appraisal report dated XX/XX/XXXX is missing evidence of borrower receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Application date is XX/XX/XXXX and disclosure was dated XXXX. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10442 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,694.00 exceeds tolerance of $1,540.00. $154.00 over legal limit. Insufficient or no cure was provided to the borrower. (8304)<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Application date was XX/XX/XXXX and Loan Estimate was issued XX/XX/XXXX.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: XX/XX/XXXX Closing Disclosure Transfer Tax fees were increased again on XX/XX/XXXX Closing Disclosure with no valid change evident.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Missing evidence of receipt. |  | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10443 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10444 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10445 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] General - The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio.: Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | DTI difference due to negative cash flow for second home not included in the DTI, PITI for the property is $XXX. |  | 3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal completed "subject to completion", no 442 or other evidence of completion provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached final inspection<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): There era items on the inspection that are not 100% completed.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): INTERIOR OF THE HOME IS COMPLETE - ONLY LANDSCAPING REMAINING WHICH WILL BE DELAYED DUE TO THE WEATHER (SEE SNOW IN PICS) INSPECTION REPORT IS SUFFICIENT TO SHOW HOME IS COMPLETE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Final inspection showing 100% complete not provided. | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 12,659.79 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-400.00. Insufficient or no cure was provided to the borrower. (9300)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 12,659.79 on Final Closing Disclosure provided on XX/XX/XXXX are over disclosed.<br> Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-400.00.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Last transfer date is XX/XX/XXXX and note date is XX/XX/XXXX. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA SOL Expired B C |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10446 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated loan<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated loan | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10447 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10448 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Credit Eligibility - Credit report shows credit payments as currently delinquent.<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Credit report document is missing for the co-borrower.<br> Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated loan<br> Federal Compliance - Missing Initial Loan Application Testing: Initial 1003 application document is missing.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated loan<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: The Initial 1003 application provided does not reflect the application date. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10449 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 3 | 2 | [2] Income Documentation - Income documentation requirements not met. | Waterfall due to missing 2 years signed and dated XXXX and XXXX business returns for Partnership (1065) and S Corps (1120) income | SELLER - GENERAL COMMENT (XX/XX/XXXX): do not have the signature pages for the tax returns. complete tax returns in file just no signature<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Assigned to buyer. Tax returns provided are not signed and seller cannot obtain.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 3 | [3] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.<br> [3] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,429.75 exceeds tolerance of $-1,730.75. Insufficient or no cure was provided to the borrower. (9300)<br> [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,165.00 exceeds tolerance of $405.00 plus 10% or $445.50. $719.50 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/XX/XXXX)<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Timing: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. | Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Final Lender Credit of $-1,429.75 exceeds tolerance of $-1,730.75. Insufficient or no cure was provided to the borrower<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $1,165.00 exceeds tolerance of $405.00 plus 10% or $445.50. $719.50 over legal limit.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Waterfall due to missing 2 years signed and dated XXXX and XXXX business returns for Partnership (1065) and S Corps (1120) income<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Waterfall due to missing 2 years signed and dated XXXX and XXXX business returns for Partnership (1065) and S Corps (1120) income<br> State Compliance - Michigan CMPA Home Loan Toolkit Timing: Home Loan Toolkit not provided to borrower within three (3) business days of application. | SELLER - GENERAL COMMENT (XX/XX/XXXX): do not have the signature pages for the tax returns. complete tax returns in file just no signature<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Assigned to buyer. Tax returns provided are not signed and seller cannot obtain.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Restated to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): do not have the signature pages for the tax returns. complete tax returns in file just no signature<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Seller requests buyer review: do not have the signature pages for the tax returns. complete tax returns in file just no signature<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Assigned to buyer. Tax returns provided are not signed and seller cannot obtain.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Restated to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10451 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10452 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Missing Initial Loan Application, Final Loan Application, Appraisal, Fraud report, Income, and Assets<br> The Hazard Insurance Binder within the loan file covers the Construction Company only. | SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED INCOME DOCS FROM FILE - REQUESTED ALL OTHERS<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing initial and final loan application, appraisal, fraud report and assets.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): other docs uploaded. XXXX TO order fraud report<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO order fraud report<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO order fraud report<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): CONST/PERM LOAN BUILDERS RISK INSURANCE ONLY AT TIME OF CLOSING<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per guidelines, General Liability - the borrower or general contractor can provide this insurance. NOTE: A certificate <br> of Liability Insurance ACORD Form 25 must be issued by the Insurance provider listing XXXX as the Certificate Holder. Insurance provided on Acord Form 27.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 6,624.42 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - ARM Disclosure Timing Test: ARM disclosure was provided within three (3) days of application due to missing information.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Loan is an ARM interest-only loan, and the final Closing Disclosure AP table does not specify the first change/amount value and subsequent changes value, due to which multiple exceptions are getting triggered.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: The calculated product is 12 Months Interest Only, Adjustable Rate. The Closing Disclosure issued on XX/XX/XXXX reflects the product as 1 Year Interest Only, 11/6 mo. Adjustable Rate.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan is an ARM interest-only loan, and the final Closing Disclosure AP table does not specify the first change/amount value and subsequent changes value, due to which multiple exceptions are getting triggered.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: The Initial signed and dated 1003 is missing. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10453 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. $4.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $825.00. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. $4.40 over legal limit.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $825.00. $XXXX over legal limit. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10454 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 2 | [2] Appraisal Reconciliation - Appraisal is required to be in name of Lender: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Lender on the note is, XXXX. Lender on the appraisal is, XXXX. Missing transfer letter. |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10456 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3132825)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 5,101.25 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period. |  | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10457 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Maximum Loan Amount discrepancy.: Note loan amount of $XXXX is greater than Guideline maximum loan amount of $300,000.00.<br> [2] Income Documentation - Income documentation requirements not met. | E-sign Consent Agreement not provided.<br> Loan amount of $XXXX exceeds the guideline maximum of $300,000.00.<br> Missing a verbal VOE within 30 days from closing, XXXX profit and loss statement and balance sheet. for the partnership income, per Appendix Q guidelines. | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED. XXXX TO REVIEW/WAIVE<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): XXXX please review.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, This loan was a refinance of a loan in which we granted an exception for in 2018 for a loan amount of $XXXX. Since we granted the excpetion on the original loan it carried thru with this refinance. Providing original exception approval.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Provide an approved exception document.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived with compensating factors per lender direction.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Underwriter did not require p&l/balance sheet as income was secondary and he hit him with a loss. UW Rationale being provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. Guide requires VOE dated within 30 days from closing,year to date P & L and balance sheet and most recet 2 years signed and dated partnership returns<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Can we get this comment updated? the file contained tax returns but was lacking the p&L/balance sheet. The voe was provided and uploaded again.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception Remains. Still required income documentation for Partnership: Third party verification or CPA letter for partnership and year to date profit and loss and balance sheet for partnership.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10458 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 10,412.49 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure was not provided to the borrower.<br> Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product '12 Month Interest Only, Adjustable Rate' that does not match the actual product for the loan '12 Month Interest Only, 8/1 Adjustable Rate'.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Amount of Estimated Property Costs over Year 1 of $10,412.49 on Final Closing Disclosure provided on XX/XX/XXXX are over-disclosed.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal delivery receipt was not provided to the borrower.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10459 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [3] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $2,597.00 may be required.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/XX/XXXX)<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Status: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Missing the application date.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: The only Closing Disclosure provided was the final disclosure.<br> Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: Missing initial Loan Estimate.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: Missing evidence of receipt of the right to receive a copy of the appraisal disclosure and Loan Estimate.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> State Compliance - Michigan CMPA Home Loan Toolkit Status: Missing from the file.<br> Federal Compliance - Missing Initial Loan Application Testing: Missing the application date.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List was not provided. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective XXXX, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>Effective XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10460 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Application / Processing - Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy.: Borrower: XXXX. | E-sign Consent Agreement is missing.<br> Ivan's final 1003 question is answered "no" as occupying primarily within the declaration questions. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Providing corrected 1003<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $74.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Missing the application date<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: No initial CD was located in the loan file.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Initial 1003 Missing<br> Federal Compliance - Missing Initial Loan Application Testing: Missing application date<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Recording fee increased beyond tolerance. Cure is required. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10463 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3146162)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: The mortgage insurance payment of $68.88 disclosed on the Final Closing Disclosure does not match the actual mortgage insurance payment of $47.50. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10464 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-479.00. Insufficient or no cure was provided to the borrower. (9300) | Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-1,436.00. |  | Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The representative FICO score is above 680. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10465 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met. | Appraisal is required on the applicable standard Fannie Mae Form 1004 or 1073.<br> E-sign Consent Agreement is missing.<br> Waterfall issue due to missing 2 years employment history. Third-party verification for prior employment with XXXX - XXXX is missing.<br>While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX and XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | SELLER - GENERAL COMMENT (XX/XX/XXXX): appears this should be graded a 2 grade. XXXX TO review.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Apologies, will request the missing appraisal for this exception<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached the appraisal. this was a manual underwrite and loan originated during covid 19 thus the exterior appraisal<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per guideline • Interior photos must be included. Must include photos of the kitchen, bathrooms, bedroom and living room/family room. Appraisal is required on the applicable standard Fannie Mae form 1004 or 1073.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review. Exterior appraisal as it was a Covid origination<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): loan is over 5 years seasoned past statute of limitations. exception should be non material<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): At the time of transaction e-consent was missing.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): appears this should be graded a 2 grade. XXXX TO review.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Loan is SHQM.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Client redesignated to Small Creditor. Loan has employment deficiency exceptions and appraisal form exceptions.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Client redesignated to Small Creditor. Loan has employment deficiency exceptions and appraisal form exceptions.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Client redesignated to Small Creditor. Loan has employment deficiency exceptions and appraisal form exceptions. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10466 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met. | E-Sign consent document is missing in file.<br> Per Appendix Q guides, missing a current lease agreement for REO, XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN IS OVER 3 YEARS SEASONED. XXXX TO WAIVE/REVIEW<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Cit to review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Lender did not obtain Lease. Sch E only and acceptable per Freddie. response from lender being reviewed by situsamc on lease/sch E<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per appendix Q testing Lease agreement required.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10467 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - Investment Property Submitted as QM Test: Ability to pay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability to pay requirements under 1026.43 based on deal settings. | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Copy of Appraisal Not Provided 3 Business Days Prior to Consummation<br> Federal Compliance - Investment Property Submitted as QM Test: Re-stated designation |  |  |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10468 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10469 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Application / Processing - Missing Document: Approval not provided | Approval document is missing in file. Kindly provide for review. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10470 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10471 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $276,611.61 is over disclosed by $5.00 compared to the calculated Amount Financed of $276,606.61 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $237,879.08 is under disclosed by $14,275.18 compared to the calculated Finance Charge of $252,154.26 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $518,757.78 is under disclosed by $14,270.18 compared to the calculated total of payments of $533,027.96 which exceeds the $35.00 threshold. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Final Closing Disclosure disclosed an amount financed of $276,611.61; calculated amount financed is $276,606.61. Variance is $5.00.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure disclosed a finance charge of $237,879.08; calculated finance charge is $252,154.26. Variance is -$14,275.18.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Closing Disclosure disclosed a TOP of $518,757.78. Calculated TOP is $533,027.96. Variance is $14,270.18. |  | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10472 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | The DTI calculated in accordance with the Lenders Guidelines of XX% moderately exceeds the guideline maximum of 45.00% and lender approved DTI with XX%. | SELLER - GENERAL COMMENT (XX/XX/XXXX): lender unable to provide<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, DTI is over the max.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization NMLS information on loan documents does not match NMLS.<br> [3] Federal Compliance - TILA NMLSR - Originator Company License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not licensed to conduct loan origination activities.<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (FinXX/XX.XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (FinXX/XX.XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX.XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. (ProjSeq:4/3143173)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. (ProjSeq:3/3143172)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. (ProjSeq:2/3143171)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3143170)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX. Note P&I was used for the APR calculation and compliance testing.<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX the reason for Index type changed. Note P&I was used for the APR calculation.<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX the reason for Index type changed. Note P&I was used for the APR calculation.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest: Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX the reason for Index type changed. Note P&I was used for the APR calculation.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX the reason for Index type changed. Note P&I was used for the APR calculation.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX the reason for Index type changed. Note P&I was used for the APR calculation.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX the reason for Index type changed. Note P&I was used for the APR calculation.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX the reason for Index type changed. Note P&I was used for the APR calculation.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX the reason for Index type changed. Note P&I was used for the APR calculation.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: Missing verification of 2 year employment history, no additional previous employment was provided.<br> Two (2) years tax returns or Bank Statements to evaluate Interest / Dividend income or losses requirement not met. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Appendix Q states you have to have 2 year history of receipt of this income and use an average of it. Two years tax returns were provided along with asset documents. Tax returns can be used. see below from appendix q guides. <br>1. Analyzing Interest and Dividends.<br>a. Interest and dividend income may be used as long as tax returns or account statements support a two-year receipt history. This income must be averaged over the two years.<br>b. Subtract any funds that are derived from these sources, and are required for the cash investment, before calculating the projected interest or dividend income.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The current W2 income job history is less than 1 year, missing a 2-year employment history.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client elects to waive<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10474 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing.: Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Homeowners insurance policy has an effective date of XX/XX/XXXX and started after the loan funded on XX/XX/XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached residency docs<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $56.45 exceeds tolerance of $34.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10475 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: The earliest dated E-Consent is XX/XX/XXXX which was after the date of the initial Loan Estimate provided electronically issued XXXX.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years. |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10476 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10477 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10479 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: The earliest dated E-Consent is XX/XX/XXXX which was after the date of the initial Loan Estimate provided electronically issued XX/XX/XXXX.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-state designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-state designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10481 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Timing: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> State Compliance - Michigan CMPA Home Loan Toolkit Timing: Home Loan Toolkit not provided to borrower within three (3) business days of application.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10482 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided | Missing supporting documentation to exclude investment property onXXXX. There is a LOE; borrowers intend to sell; however, additional documentation is needed to support exclusion.<br> Waterfall due to missing supporting documentation to exclude investment property onXXXX. There is a LOE; borrowers intend to sell; however, additional documentation is needed to support exclusion.<br> Waterfall due to missing supporting documentation to exclude investment property onXXXX. There is a LOE; borrowers intend to sell; however, additional documentation is needed to support exclusion.<br> Waterfall due to missing supporting documentation to exclude investment property onXXXX. There is a LOE; borrowers intend to sell; however, additional documentation is needed to support exclusion. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Included AVM and the mortgage documentation to show balance and 30% equity for debt to be excluded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A fully executed purchase contract is required to exclude debt.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Included AVM and the mortgage documentation to show balance and 30% equity for debt to be excluded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A fully executed purchase contract is required to exclude debt.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Included AVM and the mortgage documentation to show balance and 30% equity for debt to be excluded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A fully executed purchase contract is required to exclude debt.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Included AVM and the mortgage documentation to show balance and 30% equity for debt to be excluded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A fully executed purchase contract is required to exclude debt.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 18,810.00 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $107.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: The Closing Disclosure issued on XX/XX/XXXX lists the Product as 1 Year Interest Only, 11/6 month Adjustable Rate. The calculated Product is 12 Month Interest Only, Adjustable Rate.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: The Hazard Insurance Monthly amount in the loan file is $68.23, and the monthly taxes are $734.80, a total of $803.03, and annually is $9,636.36. The amount on page 4 of the Closing Disclosure issued on XX/XX/XXXX as Property Costs over Year 1 is $18,810.00.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10483 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met. | Waterfall due to file is missing most recent signed and dated 1040/Audited P&L statement/Balance Sheet.. Waterfall due to file is missing Employment Dates to verify two years employment history for current and/or prior employment. | SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED SIGNED RETURNS AND 3RD PARTY VOE. REQUESTED TO SEE IF P&L WAS REQUIRED...GUIDELINES SAY "MAY" IF NOT A SOLE PROPRIETOR.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is being tested accordance with Appendix Q. Per Appendix Q Self-employed consumers must provide signed, dated individual tax returns, with all applicable tax schedules for the most recent two years. Both general and limited partnerships report income on IRS Form 1065, and the partners' share of income is carried over to Schedule E of IRS Form 1040.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender, P and L was not required by the underwriter as they had returns for XXXX and XXXX and loan closedXX/XX/XXXX. Since they had 2 full years, a 2 month p and l would not have aided an income analysis.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan is testing to Appendix Q standard guides and is requiring the profit and loss statement and balance sheet.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review. p&l not obtained.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Waterfall due to file is missing most recent signed and dated 1040/Audited P&L statement/Balance Sheet.. Waterfall due to file is missing Employment Dates to verify two years employment history for current and/or prior employment.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Waterfall due to file is missing most recent signed and dated 1040/Audited P&L statement/Balance Sheet.. Waterfall due to file is missing Employment Dates to verify two years employment history for current and/or prior employment. | SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED SIGNED RETURNS AND 3RD PARTY VOE. REQUESTED TO SEE IF P&L WAS REQUIRED...GUIDELINES SAY "MAY" IF NOT A SOLE PROPRIETOR.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is being tested accordance with Appendix Q. Per Appendix Q Self-employed consumers must provide signed, dated individual tax returns, with all applicable tax schedules for the most recent two years. Both general and limited partnerships report income on IRS Form 1065, and the partners' share of income is carried over to Schedule E of IRS Form 1040.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): tax returns were uploaded. per lender, P and L was not required by the underwriter as they had returns for XXXX and XXXX and loan closedXX/XX/XXXX. Since they had 2 full years, a 2 month p and l would not have aided an income analysis.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan is testing to Appendix Q standard guides and is requiring the profit and loss statement and balance sheet.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review. p&l not obtained.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED SIGNED RETURNS AND 3RD PARTY VOE. REQUESTED TO SEE IF P&L WAS REQUIRED...GUIDELINES SAY "MAY" IF NOT A SOLE PROPRIETOR.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is being tested accordance with Appendix Q. Per Appendix Q Self-employed consumers must provide signed, dated individual tax returns, with all applicable tax schedules for the most recent two years. Both general and limited partnerships report income on IRS Form 1065, and the partners' share of income is carried over to Schedule E of IRS Form 1040.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender, P and L was not required by the underwriter as they had returns for XXXX and XXXX and loan closedXX/XX/XXXX. Since they had 2 full years, a 2 month p and l would not have aided an income analysis.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan is testing to Appendix Q standard guides and is requiring the profit and loss statement and balance sheet.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review. p&l not obtained.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10484 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 3 | 1 |  |  |  | 3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal was made subject to and 442 is not in images. | SELLER - GENERAL COMMENT (XX/XX/XXXX): From lender attached Receipts for repairs provided but there was not an inspection completed by the appraiser. wasn't required.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Appraisal was made subject to , 442 was not provided. | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B C |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10485 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 3 | 2 | [2] Income Documentation - Income documentation requirements not met. | The file did not contain a copy of the borrower's degree.<br> Waterfall due to Third Party Verification was not provided for Schedule C income Roivant Sciences. | SELLER - GENERAL COMMENT (XX/XX/XXXX): 3rd party voe attached<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Third party verification provide is duplicate of telephone listing/internet search. This document doesn't show co-borrower's ownership start date/duration<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): The document provided is an acceptable form of 3rd party VOE as the borrower is self employed. Tax returns in file show evidence of borrower's employment history as well as the borrower's indication on the application.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Also confirmed with lender no additional documentation about for voe. internet search was what they used.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VVOE from the employer is required to verify if borrower is an active employee.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $XXXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX was missing evidence of receipt.<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Waterfall due to Third Party Verification was not provided for Schedule C income Roivant Sciences.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Waterfall due to Third Party Verification was not provided for Schedule C income Roivant Sciences.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: HOA Dues were last disclosed as $0.00 on Loan Estimate but disclosed as $XXXX on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, and no evidence of cure was found in the file. | SELLER - GENERAL COMMENT (XX/XX/XXXX): 3rd party voe attached<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Third party verification provide is duplicate of telephone listing/internet search. This document doesn't show co-borrower's ownership start date/duration<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): The document provided is an acceptable form of 3rd party VOE as the borrower is self employed. Tax returns in file show evidence of borrower's employment history as well as the borrower's indication on the application.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Also confirmed with lender no additional documentation about for voe. internet search was what they used.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VVOE from the employer is required to verify if borrower is an active employee.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): 3rd party voe attached<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Third party verification provide is duplicate of telephone listing/internet search. This document doesn't show co-borrower's ownership start date/duration<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): The document provided is an acceptable form of 3rd party VOE as the borrower is self employed. Tax returns in file show evidence of borrower's employment history as well as the borrower's indication on the application.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Also confirmed with lender no additional documentation about for voe. internet search was what they used.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VVOE from the employer is required to verify if borrower is an active employee.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10486 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $475.00. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $0.00. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee was disclosed as $475.00 on the initial Loan Estimate but was disclosed as $500.00 on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($XXXX) is sufficient to address the violation but is insufficient to address all tolerance violations.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points were not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee. The cure provided at closing ($XXXX) is insufficient to address all tolerance violations. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10487 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met.<br> [2] Document Error - YTD P&L Statement was not signed and/or dated by Borrower. (GSE COVID-19): Borrower: XXXX// Employment Type: Employment / Income Type: S-Corp (>= 25%) / Start Date: XX/XX/XXXX // Document: P&L Statement / Document Date: XX/XX/XXXX / Tax Year: | Missing VVOE dated within 20 days of note date as required by GSE COVID-19 exception. YTD P&L statement was not signed and/or dated by borrower (GSE COVID-19).<br> Missing third-party verification of business within 120 days of note.<br> Rental income documentation requirement not met for XXXX. Lease Agreement not provided.<br> YTD P&L statement was not signed and/or dated by borrower (GSE COVID-19). | SELLER - GENERAL COMMENT (XX/XX/XXXX): ALL DOCS UPLOADED WITH EXCEPTION TO REO DOCS FOR XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per appendix Q testing, Lease for rental income required and signed P&L.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): P&L WITH BUSINESS BANK STATEMENTS WAS PROVIDED. BUSINESS BANK STATEMENTS ARE AN ACCEPTABLE ALTERNATIVE TO SIGNED P&LS<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per Covid 19 requirements P&L must be signed.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED P&L WITH BUSINESS BANK STATEMENTS<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): P&L not signed and dated. Exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): P&L WITH BUSINESS BANK STATEMENTS WAS PROVIDED. BUSINESS BANK STATEMENTS ARE AN ACCEPTABLE ALTERNATIVE TO SIGNED P&LS<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per Covid 19 requirements P&L must be signed.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Missing VVOE dated within 20 days of note date as required by GSE COVID-19 exception. YTD P&L statement was not signed and/or dated by borrower (GSE COVID-19).<br> Missing third-party verification of business within 120 days of note.<br> Rental income documentation requirement not met for XXXX. Lease Agreement not provided.<br> The file was missing the HOA dues documentation for this property for XXXX.<br> The file was missing the mortgage statement/taxes/insurance/HOA dues/all PITIA documentation for this property XXXX.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Missing VVOE dated within 20 days of note date as required by GSE COVID-19 exception. YTD P&L statement was not signed and/or dated by borrower (GSE COVID-19).<br> Missing third-party verification of business within 120 days of note.<br> Rental income documentation requirement not met for XXXX. Lease Agreement not provided.<br> The file was missing the HOA dues documentation for this property for XXXX.<br> The file was missing the mortgage statement/taxes/insurance/HOA dues/all PITIA documentation for this property XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): ALL DOCS UPLOADED WITH EXCEPTION TO REO DOCS FOR XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per appendix Q testing, Lease for rental income required and signed P&L.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): P&L WITH BUSINESS BANK STATEMENTS WAS PROVIDED. BUSINESS BANK STATEMENTS ARE AN ACCEPTABLE ALTERNATIVE TO SIGNED P&LS<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per Covid 19 requirements P&L must be signed.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Restated to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ALL DOCS UPLOADED WITH EXCEPTION TO REO DOCS FOR XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per appendix Q testing, Lease for rental income required and signed P&L.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): P&L WITH BUSINESS BANK STATEMENTS WAS PROVIDED. BUSINESS BANK STATEMENTS ARE AN ACCEPTABLE ALTERNATIVE TO SIGNED P&LS<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per Covid 19 requirements P&L must be signed.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Restated to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10488 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 12,630.42 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure Product Testing: Loan Product is 1 year Interest only Fixed Rate loan and AP table does not specify the first change/amount value due to which exceptions firing.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Final CD disclosed Amount of Estimated Property Costs over Year 1 as 12,630.42.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10489 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Tax Service Fee (Life Of Loan) Fee increased to $84.00 without a valid change of circumstance. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10490 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Approval/1008 required $0.00 to close however Cash from Borrower is $XXX. we don't have supporting document to cover.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> E-sign Consent Agreement is not provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): borrower already paid the HOI. See attached HOI policy from XXXX XXXX showing nothing owed. the policy was paid for over 6 months prior to loan origination. cash to close sufficient to cover the appraisal fee<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. Avialable for closing is insufficient .Provide supporting doc to cover<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - General Ability To Repay Provision Income and Assets - Assets: Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (POCB/Other: Non-Liquid Assets)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (ATR Provision - Assets): Small Creditor Portfolio Originations Qualified Mortgage (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (POCB/Other: Non-Liquid Assets) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Copy of Appraisal Not Provided 3 Business Days Prior to Consummation<br> Federal Compliance - General Ability To Repay Provision Income and Assets - Assets: Received HOI was paid<br> Federal Compliance - QM Small Creditor Portfolio Originations (ATR Provision - Assets): Received HOI was paid | REVIEWER - CLEARED COMMENT (XX/XX/XXXX): Received HOI was paid, exception cleared<br> REVIEWER - RE-OPEN COMMENT (XX/XX/XXXX): LD restated<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Corresponding credit/guideline exception waived with compensating factors<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2 with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Corresponding credit/guideline exception waived with compensating factors<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2 with comp factors. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - General Ability To Repay Provision Income and Assets - Assets: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10491 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10492 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXX/17040929)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $465.00 exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Unable to determine borrower's start and end dates with FBI due to missing verification of employment during the loan timeframe. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10493 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee increased on XX/XX/XXXX Closing Disclosure<br> with no valid change evident.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Re-stated to Non-QM<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10494 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10495 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document E-Sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] General - Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. | Missing electronic consent.<br> Tax Return Transcripts for XXXX and XXXX were obtained for this review. However, there is no evidence the borrower signed a Taxpayer Consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal was completed "subject to completion", no 442 or other evidence is provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached final inspection<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing pictures<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached final inspection with pictures<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A final inspection/442 must be completed by an appraiser. | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Status: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure not provided to the borrower within three days of application.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure disclosed loan Product of 1 Year Interest Only, 11/6 Adjustable Rate that does not match the Calculated Loan Product of 12 Month Interest Only, Adjustable Rate. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: The Final Closing Disclosure indicated there would not be an escrow account, but the box for disclosure of the estimated property costs over year 1 was left blank.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: The updated Appraisal report dated XX/XX/XXXX is missing evidence of borrower receipt.<br> State Compliance - Michigan CMPA Home Loan Toolkit Status: Home Loan Toolkit not provided to borrower.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B C |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10496 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10497 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of appraisal receipt not provided.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10498 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met. | Missing electronic consent.<br> Missing all business tax returns and schedules for PSLZ LLP | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): please refer to prior exception commentary and documents uploaded for this exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide tax returns for partnership income.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $561.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7200) | Federal Compliance - ARM Disclosure Status Test: Disclosure is missing<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10499 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10501 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] General - Missing Document: Econsent not provided<br> [2] General - Missing Document: Econsent not provided |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. |  |  | Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10502 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | E-sign consent was not provided.<br> The lender loan approval and final 1008 DTI matches our calculated DTI of XX%. The guidelines max is 45.00%. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): uploaded the dti exception approval<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Compensating factors were not provided in file.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $164,640.72 is under disclosed by $12,724.01 compared to the calculated Finance Charge of $177,364.73 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $442,402.72 is under disclosed by $12,724.01 compared to the calculated total of payments of $455,126.73 which exceeds the $100.00 threshold. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure on XX/XX/XXXX is not within 3 days of application XX/XX/XXXX.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance Charge understated by $12,724.01. No compliance report or high cost analysis is included in the file.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: The disclosed Total of Payments in the amount of $442,402.72 is under disclosed by $12,724.01.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10503 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED. XXXX TO WAIVE/REVIEW<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exceptions | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [3] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (InterXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:843XX/XX/XXXX) | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Application date was XX/XX/XXXX and Loan Estimate was issued XX/XX/XXXX.<br> Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: Loan estimate issued XX/XX/XXXXand received XX/XX/XXXX, which was on the Closing Disclosure issued XX/XX/XXXX and received XX/XX/XXXX.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report datedXX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing the disclosure signed at closing confirming receipt prior to closing. |  | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10505 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10506 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10507 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-448.00. Insufficient or no cure was provided to the borrower. (9300) | Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Lender Credits Fee was last disclosed as -$448.00 on LE but disclosed as $0.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $448, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC received BPO docs but there is no other documents provided to address the change in lender credit from $448.00 to $00 on revised LE dated 07/01. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. | Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10508 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10509 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | The file was missing a copy of the E-Sign Consent Agreement. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $0.50 exceeds tolerance of $0.00. $0.50 over legal limit. Insufficient or no cure was provided to the borrower. (8304)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $87.00 exceeds tolerance of $0.00. $87.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $22.00 exceeds tolerance of $0.00. $22.00 over legal limit. Insufficient or no cure was provided to the borrower. (7579)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $33.70 exceeds tolerance of $0.00. $33.70 over legal limit. Insufficient or no cure was provided to the borrower. (7520)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,100.00 exceeds tolerance of $0.00. $1,100.00 over legal limit. Insufficient or no cure was provided to the borrower. (7334) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Transfer Tax Fee was last disclosed as $0.00 on LE but disclosed as $0.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $0.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Tax Service Fee was last disclosed as $0.00 on LE but disclosed as $87.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $87.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Flood Certification (Life Of Loan) Fee was last disclosed as $0.00 on LE but disclosed as $22.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $22.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Report Fee was last disclosed as $0.00 on LE but disclosed as $33.70 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $33.70, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Processing Fee was last disclosed as $0.00 on LE but disclosed as $1,100.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,100.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10510 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Application / Processing - Missing Document: HOA Questionnaire not provided | Missing HOA questionnaire | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10511 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Miscellaneous - Credit Exception: | Lender approved exception for charge off student loan account is not required to be paid if prior to closing. Exception approved with compensating factors of borrower payment history, income profile, credit supplement and strong financial reserves.<br> Lender approved exception for charge off student loan account is not required to be paid if prior to closing. Exception approved with compensating factors of borrower payment history, income profile, credit supplement and strong financial reserves. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender approved exception for charge off student loan account is not required to be paid if prior to closing. Exception approved with compensating factors of borrower payment history, income profile, credit supplement and strong financial reserves.<br> Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to down grade dan waive using compensating factors<br> Over 75 months reserves<br> Borrower has been with the same employer for over 5 years<br> Borrower has verified disposable income of at least $XXXX. | 1 |  |  |  | 2 | [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Guideline Deficiency - QM Impact: General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: EV2-B with pre-consummation lender exception and sufficient comp factors. Results are no longer QM Risk. QM Status = Safe Harbor QM (APOR)<br> Federal Compliance - Guideline Deficiency - QM Impact: Lender approved exception for charge off student loan account is not required to be paid if prior to closing. Exception approved with compensating factors of borrower payment history, income profile, credit supplement and strong financial reserves. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EV2-B with pre-consummation lender exception and sufficient comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender approved exception for charge off student loan account is not required to be paid if prior to closing. Exception approved with compensating factors of borrower payment history, income profile, credit supplement and strong financial reserves.<br> Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EV2-B with pre-consummation lender exception and sufficient comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10512 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-assign consent is missing in the file. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10513 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 5,549.39 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Federal Compliance - Notice of Right to Cancel Missing: Right to Cancel document is missing in file.<br> Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product however information updated from Final CD<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan however information updated from Final CD<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure however information updated from Final CD<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: mount of Estimated Property Costs over Year 1 of 5,549.39 on Final Closing Disclosure provided on XX/XX/XXXX are over disclosed however information updated from Final CD |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10515 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $276,414.83 is under disclosed by $16,491.05 compared to the calculated Finance Charge of $292,905.88 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $832,313.93 is under disclosed by $16,491.05 compared to the calculated total of payments of $848,804.98 which exceeds the $35.00 threshold. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance charge understated by $16,491.05. No compliance report or high cost analysis is included in the file.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Finance charge understated by $16,491.05. No compliance report or high cost analysis is included in the file.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10516 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met. | Missing electronic consent.<br> Waterfall due to missing income documents. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): PER AUS, ONLY 1 YR REQUIRED IF BORROWER SELF EMPLOYED OVER 5 YEARS. BORR SELF EMPLOYED 14 YEARS.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): all income docs uploaded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing most recent signed and dated business and tax returns and third party verification.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Providing personal transcripts which replaces signed personal returns. Do not have signed business returns or signed 4506T for businesses<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The business returns are not signed/dated for both businesses. The transcripts provided are not for this loan. Missing the business license, per VVOE form for active business verification for business, XXXX. Missing a verbal VOE for business, XXXX. Missing a profit and loss statement and balance for business, XXXX.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception waived | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Ability to pay (Dodd-Frank 2014): Unable to verify current Partnership status due to missing Tax Return/Transcript for the most recent year, and one of these docs is required yet missing: XXXXted/Third Party P&L, CPA Letter, or other Third Party Verification. (XXXX/Partnership)<br> [2] Federal Compliance - General Ability To Repay Provision Income and Assets - Partnership: Ability to Repay (Dodd-Frank 2014): Unable to verify Partnership income using reasonably reliable third-party records. (XXXX/Partnership)<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Waterfall due to missing third party verification for XXXX.<br> Federal Compliance - General Ability To Repay Provision Income and Assets - Partnership: Waterfall due to missing third party verification for XXXX.<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Waterfall due to missing income documents.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Waterfall due to missing income documents. | SELLER - GENERAL COMMENT (XX/XX/XXXX): PER AUS, ONLY 1 YR REQUIRED IF BORROWER SELF EMPLOYED OVER 5 YEARS. BORR SELF EMPLOYED 14 YEARS.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED ALL INCOME DOCS. XXXX IS THE COMMERCIAL PROPERTY UNDER XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Most recent signed and dated tax returns not provided.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): AUS did not require the tax returns to be signed.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Providing personal transcripts which replaces signed personal returns. Lender does not have the signed business returns or signed 4506T for businesses.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The business returns are not signed/dated for both businesses. The transcripts provided are not for this loan. Missing the business license, per VVOE form for active business verification for business, XXXX. Missing a verbal VOE for business, XXXX. Missing a profit and loss statement and balance for business, XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. The primary income is from XXXX. and he collects rent from this company for the secondary income. We have XXXX P&L in file showing rent of $XXXX (Doc ID XXXX which matches his XXXX rental income 1065).<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED ALL INCOME DOCS. XXXX IS THE COMMERCIAL PROPERTY UNDER XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Third party verification not provided.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX is the commercial property under XXXX. a 3rd party voe is not needed as you have the 3rd party for XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The business returns are not signed/dated for both businesses. The transcripts provided are not for this loan. Missing the business license, per VVOE form for active business verification for business, XXXX. Missing a verbal VOE for business, XXXX. Missing a profit and loss statement and balance for business, XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The business returns are not signed/dated for both businesses. The transcripts provided are not for this loan. Missing the business license, per VVOE form for active business verification for business, XXXX. Missing a verbal VOE for business, XXXX. Missing a profit and loss statement and balance for business, XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): PER AUS, ONLY 1 YR REQUIRED IF BORROWER SELF EMPLOYED OVER 5 YEARS. BORR SELF EMPLOYED 14 YEARS.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): all income docs uploaded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing most recent signed and dated business and tax returns and third party verification.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Providing personal transcripts which replaces signed personal returns. Do not have signed business returns or signed 4506T for businesses<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The business returns are not signed/dated for both businesses. The transcripts provided are not for this loan. Missing the business license, per VVOE form for active business verification for business, XXXX. Missing a verbal VOE for business, XXXX. Missing a profit and loss statement and balance for business, XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The business returns are not signed/dated for both businesses. The transcripts provided are not for this loan. Missing the business license, per VVOE form for active business verification for business, XXXX. Missing a verbal VOE for business, XXXX. Missing a profit and loss statement and balance for business, XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): PER AUS, ONLY 1 YR REQUIRED IF BORROWER SELF EMPLOYED OVER 5 YEARS. BORR SELF EMPLOYED 14 YEARS.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): all income docs uploaded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing most recent signed and dated business and tax returns and third party verification.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Providing personal transcripts which replaces signed personal returns. Do not have signed business returns or signed 4506T for businesses<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The business returns are not signed/dated for both businesses. The transcripts provided are not for this loan. Missing the business license, per VVOE form for active business verification for business, XXXX. Missing a verbal VOE for business, XXXX. Missing a profit and loss statement and balance for business, XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The business returns are not signed/dated for both businesses. The transcripts provided are not for this loan. Missing the business license, per VVOE form for active business verification for business, XXXX. Missing a verbal VOE for business, XXXX. Missing a profit and loss statement and balance for business, XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception cured<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Situsamc Sufficient Cure provided at closing. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs.<br>Federal Compliance - General Ability To Repay Provision Income and Assets - Partnership: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10517 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX was received XX/XX/XXXX with Note date of XX/XX/XXXX missing evidence of waiver.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10518 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing the disclosure signed at closing confirming receipt prior to closing.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10519 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $570.00 exceeds tolerance of $525.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10520 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $300,324.48 is under disclosed by $12,903.36 compared to the calculated Finance Charge of $313,227.84 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $545,901.18 is under disclosed by $13,911.80 compared to the calculated total of payments of $559,812.98 which exceeds the $100.00 threshold. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance charge understated by $12,903.36 ,missing itemization of fees<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Total of payments understated by $13,911.80 due to index used<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Evidence of earlier receipt by borrower not found in file |  | Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10521 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10522 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $180.00 exceeds tolerance of $0.00. $180.00 over legal limit. Insufficient or no cure was provided to the borrower. (7723)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Survey Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee; cure provided to the borrower at closing. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10523 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10524 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met | Waterfall due to liability XXXX and XXXX NA payments made by business and same selected as exclusion reason under credit which is invalid reason as per loan designation. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $475.00 exceeds tolerance of $445.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10525 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing a verbal VOE within 10 days prior to closing for XXXX.<br> Missing a verbal VOE within 10 days prior to closing for, XXXX.<br> Missing a verbal VOE within 10 days prior to closing for, XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Lender Did not obtain a direct verification. Just the website printout for XXXX in file<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VVOE required per guidelines.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Lender Did not obtain a direct verification. Just the website printout for XXXX in file<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VVOE required per guidelines.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Lender Did not obtain a direct verification. Just the website printout for XXXX in file<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VVOE required per guidelines.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision EmploymenXX/XX/XXXX Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXXX,XXXX XXXX XXXX LLC/Wages)<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - General Ability To Repay Provision EmploymenXX/XX/XXXX Loan Designation restated to Non-QM.<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Loan Designation restated to Non-QM.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Loan Designation restated to Non-QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Restated to EV2-B based on comp factor of paystub datedXX/XX/XXXX for employment verification.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - General Ability To Repay Provision EmploymenXX/XX/XXXX Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10527 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10528 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence of borrower's receipt of the updated appraisal was not located in the file.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Appraisal Documentation - Missing Document: Appraisal not provided<br> [2] Application / Processing - Missing Document: Missing Final 1003<br> [2] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided<br> [2] Credit Documentation - Purchase contract date not provided.<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | E-sign Consent Agreement is missing<br> Verification of employment with year to date earnings for bonus earnings as well as prior year earnigs was required for income calculation and not provided.<br> Appraisal is missing<br> final 1003 is missing<br> Purchase Agreement / Sales Contract is missing<br> The sales contract is not located in the file.<br> Employment verification was missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, unable to provide<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Can elect to downgrade and waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, unable to provide<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Can elect to waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, unable to provide<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Can elect to downgrade and waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, unable to provide<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Can elect to downgrade and waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, unable to provide<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Can elect to downgrade and waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, unable to provide<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Can elect to downgrade and waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, unable to provide<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Can elect to downgrade and waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, unable to provide<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Can elect to downgrade and waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, unable to provide<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Can elect to downgrade and waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 909.96 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision EmploymenXX/XX/XXXX Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXXX/Wages)<br> [2] Federal Compliance - General Ability To Repay Provision EmploymenXX/XX/XXXX Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXXX/Wages)<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - General Ability To Repay Provision EmploymenXX/XX/XXXX WVOE missing<br> Federal Compliance - General Ability To Repay Provision EmploymenXX/XX/XXXX WVOE missing<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Waterfall condition due to the income missing voe, and proof of bonus income issue which is causing the loan to waterfall to straight QM testing.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Waterfall due to missing 2 years of bonus income.<br> Verification of employment with year to date earnings for bonus earnings as well as prior year earnings was required for income calculation and not provided.<br> Missing VOE. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, unable to provide<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception will clear once income exceptions are satisfied.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, unable to provide<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception will clear once income exceptions are satisfied.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, unable to provide<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception will clear once income exceptions are satisfied.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, unable to provide<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception will clear once income exceptions are satisfied.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - General Ability To Repay Provision EmploymenXX/XX/XXXX Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs.<br>Federal Compliance - General Ability To Repay Provision EmploymenXX/XX/XXXX Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10530 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (Final/XX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: TILA-RESPA Integrated Disclosure - Loan Calculations: APR of 3.93900% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR of 4.33295% outside of 0.250% tolerance. (Final/XX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $172,229.26 is under disclosed by $23,897.69 compared to the calculated Finance Charge of $196,126.95 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (Final/XX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $418,227.16 is under disclosed by $23,897.69 compared to the calculated total of payments of $442,124.85 which exceeds the $35.00 threshold. (Final/XX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $325.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Since the loan is not paying off a mortgage from the same lender, the transaction is not considered a lender-to-lender refinance, and HMDA data point 8 is required.<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as disclosed on the Note. The AIR table did not match.<br> Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: Loan Calculations: APR of 3.93900% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR of 4.33295% outside of 0.250% tolerance.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure disclosed a finance charge of $172,229.26; calculated finance charge is $196,126.95. Variance is $23,897.69.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Closing Disclosure disclosed a TOP of $418,227.16; calculated TOP is $442,124.85. Variance is $23,897.69. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10531 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10532 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX, missing evidence of receipt |  | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10533 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Copy of Appraisal Not Provided 3 Business Days Prior to Consummation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Re-Inspection fee amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10534 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met. | Missing verification of 2-year employment history for both borrowers, no additional previous employment was provided. Both borrowers have been at their current jobs for under 2 years. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Using tax returns to support previous employment. Borrrower was self-employed for the previous 2 years so the current job is new. Coborrower was a homemaker and the tax returns document that so Coborrower was new to the workforce.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Tax returns in file are for XXXX and XXXX and loan closed XXXX. Evidence of employment for the immediate 2 years prior to XXXX required for review of this condition.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Loan designation updated to "small creditor" on 4/28 | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | Borrower has verified disposable income of at least $XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10535 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] General - The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio.: Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | DTI variance is due to P&I $XXXX does not match 1008 P&I $XXXX. |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10537 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | File is missing E-sign Consent document. | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments. (FinXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments.<br> Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Receipt dated XX/XX/XXXX however appraisal report dated XX/XX/XXXX. |  | Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10538 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met. | CPA and third-party prepared P&L, Balance Sheet statement not provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $105.00 exceeds tolerance of $95.00 plus 10% or $104.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Waterfall Condition due to CPA and third-party prepared P&L, Balance Sheet statement not provided.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Waterfall Condition due to CPA and third-party prepared P&L, Balance Sheet statement not provided. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10539 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement was not found in file. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Revised Loan Estimate provided on XX/XX/XXXX was not received by borrower.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor.<br> Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: XX/XX/XXXX Closing Disclosure indicates a total in section G for the initial escrow payment at closing of $1,286.74; however, the Initial Escrow Account Disclosure reflects an initial deposit of $3,209.55. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC received XXXX LE without receipt. Please provide documentation of receipt if available. The mailbox rule is applied therefore receipt date is XXXX Consummation date is XXXX. XXXX is day 1, XXXX is day 2, XXXX is day 3, and XXXX is day 4.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score is above 680. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10540 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insurance coverage is insufficient by $XXXX based on (80% of $XXXX or $XXXX), there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10541 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 2 | [2] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing.: Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Hazard Insurance policy effective date XX/XX/XXXX is after Note date of XX/XX/XXXX. The disbursement date is XX/XX/XXXX. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 1 |  |  |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10542 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10543 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Verification of Rent (VOR) / Verification of Mortgage (VOM) is missing<br> Missing electronic consent.<br> Verification of Rent (VOR) / Verification of Mortgage (VOM) is missing | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): We have reached out to outside counsel regarding loan designation since this is a credit guideline requirement.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan has enough documentation to reach Safe harbor<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): We have reached out to outside counsel regarding loan designation since this is a credit guideline requirement.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10544 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Disclosure missing. |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10545 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: re-stated designation<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10546 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $186,092.50 is under disclosed by $4,171.01 compared to the calculated Finance Charge of $190,263.51 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $444,495.20 is under disclosed by $4,171.01 compared to the calculated total of payments of $448,666.21 which exceeds the $35.00 threshold. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance Charge disclosed is $186,092.50. Calculated finance charge is $190,263.51. Variance of $4,171.01.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Total of Payments disclosed is $444,495.20. Calculated total of payments is $190,263.51. Variance of $4,171.01. |  | Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10548 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10549 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (43-Q) | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Credit Documentation - Missing Document: Credit Report not provided | Borrower Credit report missing<br> E-sign Consent Agreement is missing.<br> Borrower Credit report missing | SELLER - GENERAL COMMENT (XX/XX/XXXX): credit reports attached in prior exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing for, XXXX. The report provided does not reflect FICO scores or tradelines.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED CREDIT REPORT FOR XXXX. NO CREDIT SCORE ABLE TO BE PULLED DUE TO INSUFFICIENT CREDIT. CLC APPROVAL INCLUDED STARTING PAGE 10<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Email provided states guidelines were updated but not approved. Exception was not reflected.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan has enough documentation to reach Safe harbor<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED. XXXX TO REVIEW/WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Per seller - LOAN OVER 3 YEARS SEASONED. XXXX TO REVIEW/WAIVE<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan has enough documentation to reach Safe harbor<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Attached credit reports<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing for, XXXX. The report provided does not reflect FICO scores or tradelines.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED CREDIT REPORT FOR XXXX. NO CREDIT SCORE ABLE TO BE PULLED DUE TO INSUFFICIENT CREDIT. CLC APPROVAL INCLUDED STARTING PAGE 10<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Provided email states updates to guidelines that have not been approved were used for no FICO and exception not provided. Exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan has enough documentation to reach Safe harbor | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. Sufficient or excess cure was provided to the borrower at Closing. (7580)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $610.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure not provided to the borrower.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Tax Service fee (Life Of Loan) Amount of $84.00 exceeds tolerance of $81.00. Sufficient or excess cure was provided to the borrower at Closing<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal fee Amount of $610.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10550 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio CSPA Tangible Net Benefit Test: Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. |  |  |  |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10551 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of borrower receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor.<br> Federal Compliance - (Missing Data) Last Rate Set Date: Initial Rate Agreement is missing in file. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10552 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided<br> [2] Income Documentation - REO Documents are missing.: Address: XXXX Statement | The credit report for the non-occupant co-borrower reflects 8 active mortgages, however, no property data or documentation is provided.<br> Missing paystubs for non-occupant co-borrower supporting income used to qualify ($XXXX). Additionally, only pages 1 and 2 of the XXXX 1040 are provided.<br> Missing mortgage statement verifying PITI on retained investment property. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): See exception documentation for REOs not being documented. Although not listed on the PFS, they just hit the borrower with the total payment from the credit report.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender exception provided does not mention credit report or mortgages.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ask to re-review the document provided for this exception. Page 9 item 12 on the email indicates they did not require. Per the underwriting total debts, the mortgages from the credit report were used.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED EMAIL WITH APPROVAL FOR INCOME USED TO QUALIFY WHICH WAS JUST THE TWO PAGES OF THE 1 YR RETURNS<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): exception approval for income<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender approved exception.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): MI APPEARS TO NOT HAVE BEEN OBTAINED FOR THIS LOAN. SEE EMAIL. HOWEVER, LOAN IS PAID DOWN TO WHERE MI IS NO LONGER REQUIRED<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): mi was deactivated<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): MI cert at time of closing is required.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Lender did not get MI. It is no longer required. XXXX TO review<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): See exception documentation for REOs not being documented. Although not listed on the PFS, they just hit the borrower with the total payment from the credit report.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender exception provided does not mention mortgage statement.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ask to re-review the document provided for this exception. Page 9 item 12 on the email indicates they did not require. Per the underwriting total debts, the mortgages from the credit report were used.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception documentation provided does not state 10323 Eddyburg mortgage, please provide mortgage statement.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX did not disclose whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $160.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $0.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Federal Compliance - TRID Final Closing Disclosure Escrow Account: None of the applicable checkboxes are marked on p.4 of the final Closing Disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - Pre October 2018: No escrowed costs are disclosed on p.4 of the final Closing Disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - Pre October 2018: No escrowed costs are disclosed on p.4 of the final Closing Disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: None of the applicable checkboxes are marked on p.4 of the final Closing Disclosure.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Final appraisal is dated XX/XX/XXXX, which is less than 3 business days prior to the note date (XX/XX/XXXX). Although a valid acknowledgement of receipt was signed at closing, the borrower could not have received the final appraisal within the required timing parameters. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Escrow Account: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - Pre October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - Pre October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10553 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10554 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met. | Missing electronic consent.<br> Based on VVOE provided only shows borrower's start date XX/XX/XXXX. Borrower previous position with the university starting on XX/XX/XXXX couldn't be verified. Income verification, start date (W2 2018) | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10555 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Timing: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application.<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - TRID Loan Estimate Timing: Missing initial application, unable to determine if Loan Estimate was provided within 3 days of the loan application date.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restate<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Missing initial application, unable to determine if right to receive a copy of the Appraisal Disclosure was provided within 3 days of the loan application date.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> State Compliance - Michigan CMPA Home Loan Toolkit Timing: Missing evidence of receipt.<br> Federal Compliance - Missing Initial Loan Application Testing: Missing initial application.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Missing initial application. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10556 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Missing evidence of initial loan application date, therefore unable to determine to determine compliance with NMLSR timing requirements.<br> Federal Compliance - TRID Loan Estimate Timing: Missing evidence of initial loan application date, therefore unable to determine Loan Estimate Timing.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: XX/XX/XXXX receipt of the right to receive a copy of the appraisal disclosure is not within 3 days of application. Missing evidence of initial loan application date.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Missing evidence of initial loan application date, therefore unable to determine RESPA Affiliated Business Arrangement Disclosure Timing.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Missing evidence of initial loan application date, therefore unable to determine RESPA Homeownership Counseling List Timing. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10558 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10559 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing.: Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | E-sign consent was not provided.<br> Homeowners insurance policy has an effective date of XX/XX/XXXX and started after the loan funded on XX/XX/XXXX. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan ofXX% or Final Disclosure APR ofXX% is equal to or greater than the threshold of APOR 2.94% + 1.5%, orXX%. Compliant Higher Priced Mortgage Loan.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 5,804.37 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.<br> [3] Federal Compliance - TRID Post Close Closing Disclosure Timing Irregular Transactions: TILA-RESPA Integrated Disclosure – Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - Federal HPML 2014 Compliant: Compliant HPML, nothing required from lender. Investor to review for approval.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Loan term is of 31 years (372 months), Note document shows 360 months which do not include 12 months of Interest only period.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Loan term is of 31 years (372 months), Note document shows 360 months which do not include 12 months of Interest only period.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment of $292.97 which does not match with the P&I of $963.84 as it's inclusive of interest for first 12 months.<br> Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.<br> Federal Compliance - TRID Post Close Closing Disclosure Timing Irregular Transactions: Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: vidence of borrower's receipt of the Appraisal within 3 business days prior to closing was not provided. |  | Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Post Close Closing Disclosure Timing Irregular Transactions: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | FHPML - Compliant B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10560 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Total verified income of $XXXX, qualifying PITIA $XXXX and Credit debt $XXXX. Lender approved with a DTI XX% | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review. Loan over 3 years seasoned. DTI wasXX%on the tape.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): exception approval uploaded<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender approved exception to exceed 45% DTI. | 1 |  |  |  | 2 | [2] Federal Compliance - General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines: General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Federal Compliance - General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines: Total verified income of $XXXX, qualifying PITIA $XXXX and Credit debt $XXXX. Lender approved with a DTI XX% | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review. Loan over 3 years seasoned. DTI wasXX%on the tape.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): exception approval uploaded<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender approved exception to exceed 45% DTI. |  | Allowable per seller guidelines.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10561 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10562 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document E-Sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Missing electronic consent.<br> Calculated DTI of XX%. Due to pending sale property XXXX, PITI ($XXXX) amount was included in the DTI. No proof of property sold is evident in the file to exclude it from the DTI, hence the DTI exceeds the guideline limit of 43%. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): INCOME FROM BUSINESS WAS A LOSS - P&L NOT REQUIRED AS LOSS WAS USED AGAINST BORROWERS - ONLY XXXX BUSINESS RETURNS AVAILABLE AS PER THE TAX RETURN THE BUSINESS WAS INCORPORATED XX/XX/XXXX - WOULD NOT HAVE XXXX AND XXXX NOT OVER WITH YET AND P&L NOT REQUIRED FOR NEGATIVE INCOME. NO OTHER DOCS ARE REQUIRED - SENT INCOME DOCS FROM FILE AGAIN<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The income documents in the file support the qualifying income used by the lender. The discrepancy in calculated debt is that the second home debts were not included in the DTI ration on the 1008. The file has the pending purchase contract, but is missing the closing statement to verify the property was sold. Exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 3 | [3] Appraisal Documentation - Loan is to be securitized. The only valuation provided was a Drive by. It is interpreted that this Drive By was used in lieu of URAR and that this file is missing the secondary valuation (GSE COVID19) | Investor to provide. | SELLER - GENERAL COMMENT (XX/XX/XXXX): EXTERIOR ONLY APPRAISAL ORDERED. COVID LOAN AND WAS ACCEPTABLE DURING THIS TIME PERIOD<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A secondary valuation is required, investor to order. Exception remains. | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Status Test: Missing from the file.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B D |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10564 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Missing a copy of the initial loan application documentation.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Required appraisal delivery report within 3 business days prior to closing.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Missing Initial 1003 Loan Application.<br> Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Missing Initial Loan Application Date. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10565 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10566 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (InterXX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $101.10 exceeds tolerance of $63.00. $38.10 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: Loan Estimate issued XX/XX/XXXX and received XX/XX/XXXX, was on the same date as the Closing Disclosure issued XX/XX/XXXX and received XX/XX/XXXX.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Report Fee was last disclosed as $63.00 on Loan Estimate but disclosed as $101.10 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. |  | Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10567 |  | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> [2] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing.: Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Using the correct qualifying method, the DTI exceeds the maximum allowed. Debt from the existing second home was not all included in the qualifying debt on the 1008.<br> Policy Effective Date is XX/XX/XXXX and note date is XX/XX/XXXX. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Index. (Final/XX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Income and Assets - S-Corp: Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. (XXXX/S-Corp)<br> [2] Federal Compliance - General Ability To Repay Provision Income and Assets - S-Corp: Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. (XXXX/S-Corp)<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $156.00 exceeds tolerance of $100.00 plus 10% or $110.00. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Index not reflected on Closing Disclosure, page 4.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - General Ability To Repay Provision Income and Assets - S-Corp: A YTD P&L Statement and Balance Sheet are missing.<br> Federal Compliance - General Ability To Repay Provision Income and Assets - S-Corp: A YTD P&L Statement and Balance Sheet are missing. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, P and L not required. Not able to provide.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Per seller - Per lender, P and L not required. Not able to provide.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Restated to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): income docs were uploaded on prior exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The file is still missing the business and personal transcripts, P&L Statement and balance sheet. Exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, P and L not required. Not able to provide. business and personal transcripts were not noted as needed on the other exceptions...if signed returns provided then transcripts are not needed<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Per seller - Per lender, P and L not required. Not able to provide. business and personal transcripts were not noted as needed on the other exceptions...if signed returns provided then transcripts are not needed<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Restated to EV2-B with comp factors.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - General Ability To Repay Provision Income and Assets - S-Corp: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs.<br>Federal Compliance - General Ability To Repay Provision Income and Assets - S-Corp: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10568 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of appraisal receipt not provided.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. |  |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10569 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX.XXXX)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence of receipt of appraisal dated XX/XX/XXXX three (3) business days prior to consummation was not provided in the file. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10570 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10571 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10572 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Guides require 2 consecutive month. Missing additional month.<br> Missing a verbal VOE within 10 days prior to closing for, XXXX.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> Missing a verbal VOE within 10 days prior to closing for, XXXX.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> Missing a verbal VOE within 10 days prior to closing for, XXXX.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Attached bank statement and transaction history covering two months for the assets. loe from borrower that statements were switched to quarterly and transaction history from bank for month of XXXX was used.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Investor to review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO REVIEW. SHQM LOAN<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Investor to review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO REVIEW. SHQM LOAN<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Investor to review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO REVIEW. SHQM LOAN<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Investor to review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $562.50 exceeds tolerance of $0.00. $562.50 over legal limit. Insufficient or no cure was provided to the borrower. (7200)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Tax Service Fee (Life Of Loan) was last disclosed as $81.00 on the loan estimate but disclosed as $84.00 on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, nor evidence of cure in file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points Fee was last disclosed as $0.00 on the loan estimate but disclosed as $562.50 on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, nor evidence of cure in file.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report datedXX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10573 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10574 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $287.50 exceeds tolerance of $0.00. $287.50 over legal limit. Insufficient or no cure was provided to the borrower. (7200)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Point fee was not disclosed on Loan Estimate but was disclosed as $287.50 on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee; a cure was provided at closing.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC received no documents to address 0% tolerance exception for adding Discount Points fee on final CD. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10575 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Loan Estimate provided on XX/XX/XXXX not received by borrower at least four business days prior to closing.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10576 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - High Cost Indicator Test: Loan does not exceed any high cost thresholds, however, documentation indicating loan was originated as a high cost loan found in file. | Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Incomplete CD with a closing date of XX/XX/XXXX used in compliance testing. |  | Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10577 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10578 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review for waive<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10579 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10580 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $156.00 exceeds tolerance of $100.00 plus 10% or $110.00. $46.00 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure Ten Percent Tolerance Violation Without Sufficient Cure Provided<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Copy of appraisal is required to be delivered to the borrower within 3 business days of closing.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10581 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Application / Processing - Missing Document: AUS not provided | Missing AUS and Credit Report<br> Missing electronic consent.<br> Missing AUS. 1008 reflects LP was used to qualify. | SELLER - GENERAL COMMENT (XX/XX/XXXX): DU and credit report attached<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide updated 1008 reflecting DU was used and not LPA.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, The loan was manual underwritten to portfolio guidelines. The initial loan was assessed with DU but for FHA and this loan closed as a conventional. 1008 is accurate based on how the loan was underwritten. DTI is 31.519 so manual is acceptable<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide 1008 reflecting DU and not LPA.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): DU findings were run. LP was not used to assess the loan.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide corrected 1008 reflecting DU.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, The loan was manual underwritten to portfolio guidelines. The initial loan was assessed with DU but for FHA and this loan closed as a conventional. 1008 is accurate based on how the loan was underwritten. DTI is 31.519 so manual is acceptable<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide 1008 reflecting DU and not LPA.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Deed Preparation Fee. Fee Amount of $37.50 exceeds tolerance of $0.00. $37.50 over legal limit. Insufficient or no cure was provided to the borrower. (77231)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - ARM Disclosure Timing Test: Missing initial application date.<br> Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: E-sign consent date is missing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Deed Preparation Fee. Fee Amount of $37.50 on Final Closing Disclosure however not charged on Loan Estimate. $37.50.00 over legal limit. There is no cure amount or cure letter in file.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Missing Initial application date. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10582 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of appraisal receipt not provided.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10583 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10584 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10585 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing appraisal delivery.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10587 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (InitiXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129953)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 7,137.02 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (InterXX/XX/XXXX)<br> [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,436.50 exceeds tolerance of $1,069.00 plus 10% or $1,175.90. $260.60 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Issue date is not provided and left blank on Closing Disclosure document datedXX/XX/XXXX.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: As per final closing disclosure subsequent change is blank and same has been captured.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: Principal and interest payment for stream 1 does not match the actual payment on final closing disclosure document<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Product disclosed on final closing disclosure document dated XX/XX/XXXX does not match with the actual product of the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Principal and interest payment for stream 1 does not match the actual payment on final closing disclosure document<br> Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: Revised Loan Estimate dated XXXX was received on or after the Closing Disclosure document datedXX/XX/XXXX.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Total 10% tolerance exceeded by 260.60. No valid COC provided. Insufficient cure provided at closing. |  | Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10589 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | File is missing a complete 2-year employment history for the Co-Borrower.<br> Documents is missing: 1) Most recent 2 yrs Signed and Dated Personal Tax returns; Missing XXXX<br> Missing VVOE within 10 days for XXXX.<br> Missing VOE within 10 days for XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHING THE PERSONAL RETURNS AGAIN WITH SIGNATURES ON THE LAST PAGES<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Unable to verify borrower's 2 years employment history for co-borrower who has<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): They used a current jobs being performed and a contract with XXXX XXXX since Self Employed.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing VOE within 10 days per XXXX.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender, Verbal VOE not obtained for XXXX. Provided LOX from borrower concerning work at XXXX however what was provided is all that was obtained.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Unable to verify borrower's 2 years employment history for co-borrower who has been at the current job for 2 years. LOE provided insufficient to establish employment history<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: File is missing a complete 2-year employment history for the Co-Borrower.<br> Documents is missing: 1) Most recent 2 yrs Signed and Dated Personal Tax returns; Missing XXXX<br> Missing VVOE within 10 days for XXXX.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Missing XXXX personal signed tax returns.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: File is missing a complete 2-year employment history for the Co-Borrower.<br> Documents is missing: 1) Most recent 2 yrs Signed and Dated Personal Tax returns; Missing XXXX<br> Missing VVOE within 10 days for XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): They used a current jobs being performed and a contract with XXXX XXXX since Self Employed. returns uploaded on prior exception.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing third party verification for XXXXX and co borrowers employment history less than 2 years.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): SIGNED PERSONAL RETURNS UPLOADED AGAIN. ATTACHED THE VOE FROM LENDER AND THEIR COMMENTS WERE UPLOADED ON PRIOR EXCEPTION<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Unable to verify borrower's 2 years employment history for co-borrower who has<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10590 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | E-sign Consent Agreement is missing.<br> Personal and business tax returns were not signed and dated. Only XXXX 1065 was signed.<br> HOI coverage is insufficient by $59,900 Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attaching signed pages of the returns - all other pages in loan file<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Received signed and dated XXXX-XXXX business returns and signed and dated personal return XXXX. Pending receipt of signed and dated XXXX personal return.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 4,302.98 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Amount of Estimated Property Costs over Year 1 of 4,302.98 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10591 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10592 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Safe Harbor QM | 3 | 2 | [2] Missing Document E-Sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Application / Processing - Missing Document: Missing Final 1003<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Credit Documentation - The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | E-sign Consent Agreement is missing.<br> Waterfall due to missing VVOE for the borrower,<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> Waterfall due to missing VVOE for the borrower,<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> Verification of rent is missing for the property located at XXXX.<br> The file is missing a copy of the VVOE for the employer, Henry Ford Wyandotte Hospital.<br> applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive | 3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal was made subject to and 442 was not provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED HOME PROGRESS REPORT<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Final inspection not provided to confirm complete | 3 | [3] Federal Compliance - TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization NMLS information on loan documents does not match NMLS.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. Unable to determine if the loan is subject to rescission due to missing information (unable to determine construction refinance type).<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 3,215.16 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXX/XXXX/XXXX) | Federal Compliance - TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website: Loan Originator Organization NMLS information on loan documents does not match NMLS.<br> Federal Compliance - Notice of Right to Cancel Missing: Appraisal is missing. Unable to determine if transaction is a renovation of prior home.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 3,215.16 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Waterfall due to missing VVOE for the borrower, |  | Federal Compliance - TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B C |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10593 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10594 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | DTI discrepancy due to departing residence not considered in DTI in lender's calculation. Guideline requires an executed sales contract for the current residence and provide confirmation that any financing contingencies have been cleared which are missing. | SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender, Guidelines allow for current residence to not be included in DTI if the there is at least 30% equity. Providing mortgage statement and AVM. Based on amortization, equity would have been at the 30% by the time the loan closed. It was slightly lower than 30% but underwriter approved the loan.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The borrower is making interest only payments and the balance did not decrease based on the November, December and January payments, resulting in equity of 29.72%. Exception remains.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan is testing against the standard APOR guides. Appendix Q requires an executed sales contract and confirmation that any financing contingencies have been cleared, to exclude departing residence from DTI.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 22,369.38 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Timing Test: ARM disclosure provided XX/XX/XXXX was not within 3 days of application XX/XX/XXXX.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing disclosure AP table reflects Subsequent Changes on every payment but note reflects payment change every 6 months.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Final Closing disclosure reflects Estimated Property Costs over Year 1 $22,369.38 which is 11 months of taxes and insurance.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal Report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Added XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10595 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met. | Missing electronic consent.<br> The prior employment for, Ian, is missing a verbal VOE confirming the 2-year job history.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | SELLER - GENERAL COMMENT (XX/XX/XXXX): The loan is over 3 years seasoned past the statute of limitations. Exception should be downgraded.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Required at time of closing, exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Loan is SHQM. XXXX TO review<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is SHQM. XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10596 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $365.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10597 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10598 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10599 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $75.00 exceeds tolerance of $0.00. $75.00 over legal limit. Insufficient or no cure was provided to the borrower. (77183) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title - Service Charges Fee was last disclosed as $0.00 on LE but disclosed as $75.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $75.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10600 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Payment Calculation Years: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX did not disclose a range of years. (ProjSeq:2/3134522)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Calculation Years: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX did not disclose a range of years. (ProjSeq:1/3134521)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3134520)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the maximum periodic principal and interest payment for payment stream 3. (ProjSeq:3/3134520)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3134521) | Federal Compliance - TRID Final Closing Disclosure Payment Calculation Years: Final Closing Disclosure provided on XX/XX/XXXX did not disclose a range of years.<br> Federal Compliance - TRID Final Closing Disclosure Payment Calculation Years: Closing Disclosure provided on XX/XX/XXXX did not disclose a range of years.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the maximum periodic principal and interest payment for payment stream 3.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  | Federal Compliance - TRID Final Closing Disclosure Payment Calculation Years: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Calculation Years: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10601 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: : Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. |  | Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10602 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 2 | [2] Income Documentation - Income documentation requirements not met. | Waterfall due to missing income verification documentation. XXXX 1040, XXXXted P&L Statement and Balance Sheet are missing. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Personal Transcripts were provided but XXXX was not filed and evidence extension filed not required. Unsigned P and L was acceptable as it was accompanied by Bank Statements<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing a balance sheet<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): from lender - I only have the P and L for XXXX and 3 month bank statements. Providing this.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains missing a balance sheet<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $XXXX. $575.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee increased to $1,000.00 on the Closing Disclosure XX/XX/XXXX. The cure provided at closing ($563.00) is insufficient to resolve tolerance violation.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Waterfall due to missing income verification documentation. XXXX 1040, XXXXted P&L Statement and Balance Sheet are missing.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Waterfall due to missing income verification documentation. XXXX 1040, XXXXted P&L Statement and Balance Sheet are missing. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Personal Transcripts were provided but XXXX was not filed and evidence extension filed not required. Unsigned P and L was acceptable as it was accompanied by Bank Statements<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing a balance sheet<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): from lender - I only have the P and L for XXXX and 3 month bank statements. Providing this.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains missing a balance sheet<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Personal Transcripts were provided but XXXX was not filed and evidence extension filed not required. Unsigned P and L was acceptable as it was accompanied by Bank Statements<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing a balance sheet<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): from lender - I only have the P and L for XXXX and 3 month bank statements. Providing this.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains missing a balance sheet<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10603 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $610.00 exceeds tolerance of $495.00 plus 10% or $544.50. $65.50 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $475.00. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% tolerance was exceeded by $248.40 due to an increase of Settlement Fee. No valid change of circumstance was provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee of $475.00 was changed to $500.00. The file does not contain a valid change of circumstance for this fee. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10605 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] General - Missing Document: Verification of Non-US citizen Status not provided | Missing electronic consent.<br> Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> Missing signed and dated XXXX 1040. Missing XXXX profit and loss statement for C-Corp, per Appendix Q guidelines.<br> XXXX permanent resident card is expired as of XXXX. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, P&L not obtained<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The signed and dated XXXX personal return was not provided. Further, the P&L was not provided which is a requirement for Appendix Q/QM. If one was not obtained, then this loan fails QM/Appendix Q.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, We did not obtain another card. Only the expired version.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): If an unexpired card or ext was not provided, then the client will need to consider waiving with verified compensation factors to an EV2/B. Assigned to client.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - General Ability To Repay Provision Employment - Schedule C Test: Ability to pay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (Traidl,Christof Foreign Earnings (Germany)/Schedule C)<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of 47.38% moderately exceed the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $403.00 exceeds tolerance of $215.00. Sufficient or excess cure was provided to the borrower at Closing. (7319) | Federal Compliance - ARM Disclosure Status Test: Disclosure is missing from the file.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX, missing evidence of receipt.<br> Federal Compliance - General Ability To Repay Provision Employment - Schedule C Test: Missing verification of source of foreign income used to qualify.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Per guidelines, 7/1 ARM is qualified at the Note rate.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines: Loan Designation restated to Non-QM. | SELLER - GENERAL COMMENT (XX/XX/XXXX): income docs uploaded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Appendex Q requirements, require a P&L statement for XXXX. Exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX p&L not obtained<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Third party verification of SE was not provided for the Schedule C business or the P&L.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - General Ability To Repay Provision Employment - Schedule C Test: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10606 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] General Appraisal Requirements - Incorrect Appraisal Form type: Appraisal Form 2055 (Exterior Only) used for incorrect Subject property type.: Valuation Type: Drive By / Valuation Report Date: XX/XX/XXXX Condo (Low Rise) | Missing electronic consent.<br> Per Appraisal and Approval subject is a Site Condominium. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10607 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met. | Missing electronic consent.<br> Missing a XXXX profit and loss statement and balance sheet, per Appendix Q guides. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): P and Ls not obtained as business have been in existence greater than 5 years.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. Loan is been tested against Appendix Q which requires all applicable Income and tax verification. Most recent 2 years signed and dated Partnership returns,YTD P & L statement and balance sheet required<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Status Test: Disclosure not provided<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10608 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10609 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $570.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10610 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report datedXX/XX/XXXX missing evidence of receipt<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10611 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10612 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10613 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10614 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $450.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10615 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Receipt dated XX/XX/XXXX; however, appraisal report dated XX/XX/XXXX.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Client redesignated to Small Creditor. |  | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10616 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $268.00 exceeds tolerance of $225.00 plus 10% or $247.50. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $325.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10617 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10618 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 3 | 2 | [2] Missing Document E-Sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Appraisal Documentation - Missing Document: Appraisal not provided | Missing electronic consent.<br> The primary appraisal is missing. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Loan is over 5 years seasoned. XXXXto review/waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Per seller - Loan is over 5 years seasoned. XXXXto review/waive<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): APPRAISAL WAS UPLOADED ON PRIOR EXCEPTION ON XXXX - IT IS AN EXTERIOR APPRAISAL DUE TO COVID<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Missing primary appraisal<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 3 | [3] Appraisal Documentation - Loan is to be securitized. The only valuation provided was a Drive by. It is interpreted that this Drive By was used in lieu of URAR and that this file is missing the secondary valuation (GSE COVID19) | The primary appraisal is missing. | SELLER - GENERAL COMMENT (XX/XX/XXXX): EXTERIOR 2055 APPRAISAL UTILIZED - WAS ORIGINATED DURING COVID<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED APPRAISAL. EXTERIOR ONLY DUE TO COVID<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing a secondary valuation<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXXTO REVIEW/ORDER<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): XXXXto review<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXXto Review. | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report date XX/XX/XXXX. Missing evidence of receipt. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B D |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10619 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Appraisal is required on the applicable standard Fannie Mae form 1004 or 1073.<br> Missing electronic consent. | SELLER - GENERAL COMMENT (XX/XX/XXXX): THIS WAS A COVID ORIGINATION. 1075 EXTERIOR WAS ORDERED.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. Per guide, Appraisal is required on the applicable standard Fannie Mae form 1004 or 1073.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO WAIVE<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $206.00 exceeds tolerance of $123.00 plus 10% or $135.30. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: 10% tolerance was exceeded by $83.00 due to an increase in the recording fee. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10620 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Insurance Analysis - Hazard Insurance Policy expires within 90 days of the Note Date.: Hazard Insurance Policy Expiration Date XX/XX/XXXX, Note Date XX/XX/XXXX<br> [2] Income Documentation - Income documentation requirements not met. | Policy provided expires XX/XX/XXXX, 1 month and 2 weeks after closing.<br> Missing a XXXX profit and loss statement and balance sheet. for the S-Corp income. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, P and L was not required as UW used XXXX and XXXX earnings. See rationale from UW for support.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan is testing to the Appendix Q standard guides. A profit and loss statement and balance sheet are required.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $63.25 exceeds tolerance of $55.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10621 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [3] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-563.00. Insufficient or no cure was provided to the borrower. (9300)<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Federal Compliance - ARM Disclosure Timing Test: Disclosure provided onXX/XX/XXXX, not within 3 days of application date, XX/XX/XXXX.<br> Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Disclosure provided on XX/XX/XXXX, not within 3 days of application date, XX/XX/XXXX.<br> Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Lender Credits was last disclosed as $0.00 on LE but disclosed as -$563.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Disclosure provided on XX/XX/XXXX, not within 3 days of application date, XX/XX/XXXX. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10622 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 3 | 2 | [2] Missing Document E-Sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Application / Processing - Missing Document: Missing Final 1003<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing electronic consent.<br> Third-party verification of borrower's start date with XXXX. was missing from loan documents.<br> pplications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> Final 1003 is missing from file.<br> Third-party verification of borrower's start date with XXXX. was missing from loan documents.<br> pplications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> Third-party verification of borrower's start date with XXXX. was missing from loan documents.<br> applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | SELLER - GENERAL COMMENT (XX/XX/XXXX): loan over 3 years seasoned. XXXXto waive/review<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXXto review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached paystub within 10 business days of closing.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per guidelines provided at time of review, paystubs not sufficient for 10 day PCV requirement.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Disagree, a 10 day paystub is in essence similar to a work # in which it shows the borrower is still actively employed with payment information. the 10 day paystub meets the voe requirement<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Per seller - Disagree, a 10 day paystub is in essence similar to a work # in which it shows the borrower is still actively employed with payment information. the 10 day paystub meets the voe requirement<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, unable to provide final 1003<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. Unable to provide final 1003<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached paystub within 10 business days of closing.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per guidelines provided at time of review, paystubs not sufficient for 10 day PCV requirement.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Disagree, a 10 day paystub is in essence similar to a work # in which it shows the borrower is still actively employed with payment information. the 10 day paystub meets the voe requirement<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Per seller - Disagree, a 10 day paystub is in essence similar to a work # in which it shows the borrower is still actively employed with payment information. the 10 day paystub meets the voe requirement<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached paystub within 10 business days of closing.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per guidelines provided at time of review, paystubs not sufficient for 10 day PCV requirement.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Disagree, a 10 day paystub is in essence similar to a work # in which it shows the borrower is still actively employed with payment information. the 10 day paystub meets the voe requirement<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Per seller - Disagree, a 10 day paystub is in essence similar to a work # in which it shows the borrower is still actively employed with payment information. the 10 day paystub meets the voe requirement<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal completed "subject to completion"; no 442 or other evidence provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, cannot provide the final inspection. Monroe Bank construction loan they completed. Cannot locate final inspection or COO in OnBase<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Per seller - Per lender, cannot provide the final inspection. Monroe Bank construction loan they completed. Cannot locate final inspection or COO in OnBase<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - Pre 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of 1,918.07 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments. (FinXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXX) | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: Final Closing Disclosure disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure disclosed a Subsequent Changes period that does not match the actual terms for the loan; no subsequent changes.<br> Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - Pre 2018 Construction Permanent: The final Closing Disclosure disclosed the Amount of Escrowed Property Costs over Year 1 as $1,918.07 on page 4; however, the Property Taxes ($1,240.44) and Insurance ($852.00) total $2,092.44 per year.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Final Closing Disclosure did not disclose the frequency of adjustments; adjusts once.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Third-party verification of borrower's start date with XXXX. was missing from loan documents. |  | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - Pre 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has verified disposable income of at least $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B C |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10623 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Status Test: Disclosure was not found in file.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report datedXX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10624 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | File is missing E-Sign Consent document. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: New exception generated. Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Or | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10626 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10627 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal Report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10628 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10629 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $225.60 exceeds tolerance of $0.00. $225.60 over legal limit. Insufficient or no cure was provided to the borrower. (7200)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points was disclosed on initial Loan Estimate as $0.00, but on the final Closing Disclosure it was $225.60. The file does not contain a valid Change of Circumstance for this fee, nor is evidence of cure provided in the file.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10631 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 2 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Asset Calculation / Analysis - AUS Findings: Available for Closing discrepancy.: Documented qualifying Assets of is less than AUS Available for Closing of $XXXX.<br> [2] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of is less than AUS qualifying asset balance of $XXXX. | Approval required $XXXX in assets, and this was not provided in file.<br> Approval required $XXXX in assets, and this was not provided in file.<br> Approval required $XXXX in assets, and this was not provided in file. | SELLER - GENERAL COMMENT (XX/XX/XXXX): No assets needed to close per CD. AUS not required to be rerun. no assets required for reserves.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): 1008 and LPA both require $XXXX, exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): CD provided shows $0 to close. This is sufficient evidence to reflect borrower satisfied funds to close portion of LP. $74 insignificant amount to have LP reran to reflect $0.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): AUS required $XXXX and we are missing assets.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): No assets needed to close per CD. AUS not required to be rerun. no assets required for reserves.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): 1008 and LPA both require $XXXX, exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): CD provided shows $0 to close. This is sufficient evidence to reflect borrower satisfied funds to close portion of LP. $74 insignificant amount to have LP reran to reflect $0.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): AUS required $XXXX and we are missing assets.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): No assets needed to close per CD. AUS not required to be rerun. no assets required for reserves.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): 1008 and LPA both require $XXXX, exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): CD provided shows $0 to close. This is sufficient evidence to reflect borrower satisfied funds to close portion of LP. $74 insignificant amount to have LP reran to reflect $0.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): AUS required $XXXX and we are missing assets.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Designation has been restated. |  | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10632 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is not provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN IS OVER 4 YEARS SEASONED. XXXX TO REVIEW/WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10634 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Higher Priced QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: XX/XX/XXXX CD indicates a total in section G for the initial escrow payment at closing of $1,941.48; however, the Initial Escrow Account Disclosure reflects an initial deposit of $2,107.48. |  | Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10635 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $512.40 exceeds tolerance of $0.00. $512.40 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $512.40 exceeds tolerance of $0.00. $512.40 over legal limit. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10636 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Appraisal Data Integrity - Valuation Error: Appraiser did not complete analysis of the subject's prior sale and transfer history.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Acknowledged. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10637 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. | Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: The loan originator license was issued after application date. |  | Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: "Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation." |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10638 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Guideline Issue - This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing: Employer Letter, Paystub, Account Statement within 10 days before note date or prior to disbursement date.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX Note Date: XX/XX/XXXX<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Employment verification dated within 10 days was not provided for co-borrower.<br> Employment verification dated within 10 days was not provided.<br> The file was missing the verbal verification of employment obtained within ten business days of closing. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Verbal VOE not obtained for XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender agrees.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Verbal VOE not obtained for XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender agrees.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Verbal VOE not obtained for XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender agrees.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Verbal VOE not obtained for XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender agrees.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Designation has been restated. |  | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10640 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met. | Waterfall due to employment history less than 1 year. Borrower was a student prior to current employment and missing school transcript for XXXX | SELLER - GENERAL COMMENT (XX/XX/XXXX): sent college diploma showing graduated XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide transcripts or Diploma for XXXX.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, it was not required since she graduated from XXXX and this established the qualification for the program.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10641 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10642 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $87.00 exceeds tolerance of $61.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10643 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report datedXX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10644 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 3 | 2 | [2] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of is less than Guideline representative FICO score of 640.<br> [2] Credit Documentation - Missing Document: Credit Report not provided<br> [2] Loan File - Missing Document: Hazard Insurance Policy not provided | Credit reports received for both borrowers; however, FICO scores are not available. Lender Exception provided for Tri-Merged scores of less than 660. Compensating Factors: LTV less than 70%, Solid Reserves, Seasoned payment history higher than proposed new payment, Low LTV - Solid Reserves. Credit reports received for both borrowers; however, FICO scores are not available.<br> Lender Exception provided for Tri-Merged scores of less than 660. Compensating Factors: LTV less than 70%, Solid Reserves, Seasoned payment history higher than proposed new payment, Low LTV - Solid Reserves. Credit reports received for both borrowers; however, FICO scores are not available.<br> Hazard Insurance Policy was not found in file. | SELLER - GENERAL COMMENT (XX/XX/XXXX): AGREE, CREDIT REPORT SHOWS NO TRADELINES NO CREDIT THEREFORE NO SCORES. LENDER MADE EXCEPTION FOR NO SCORE/< 660 FICO FOR THIS LOAN. VOM IN FILE.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. Lender exception request not approved<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per page 2 of the attached shows loan approvedXX/XX/XXXX. Exception detail on 1st page in the attached for both the housing ratio and the fico<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per lender approved exception tri-merged scores <660. Credit scores for both borrowers missing. Lender exception doesn't address absence of scores<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION APPROVAL FOR CREDIT SCORES UPLOADED XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): One of the compensating factors for the FICO is reserves. There are no assets in the file to confirm reserves.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): AGREE, CREDIT REPORT SHOWS NO TRADELINES NO CREDIT THEREFORE NO SCORES. LENDER MADE EXCEPTION FOR NO SCORE/< 660 FICO FOR THIS LOAN. VOM IN FILE.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED THE CREDIT REPORT WITH LAST PAGES SHOWING CREDIT SCORE UNAVAILABLE<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender - Borrowers had no credit scores based on the credit report pulled.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. Lender exception request not approved<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per page 2 of the attached shows loan approvedXX/XX/XXXX. Exception detail on 1st page in the attached for both the housing ratio and the fico<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per lender approved exception tri-merged scores <660. Credit scores for both borrowers missing. Lender exception doesn't address absence of scores<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED EXCEPTION APPROVAL FOR CREDIT SCORE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): One of the compensating factors for the FICO is reserves. There are no assets in the file to confirm reserves.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached hoi<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. Complete Hazard Insurance Policy required<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - TIEFF. Fee Amount of $5.00 exceeds tolerance of $0.00. $5.00 over legal limit. Insufficient or no cure was provided to the borrower. (7712)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Credit History: Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Title - TIEFF. Fee Amount of $5.00 exceeds tolerance of $0.00. $5.00 over legal limit. Missing a valid COC. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - General Ability To Repay Provision Credit History: Waterfall due to Credit reports received for both borrowers; however, FICO scores are not available.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Waterfall due to Credit reports received for both borrowers; however, FICO scores are not available. | SELLER - GENERAL COMMENT (XX/XX/XXXX): AGREE, CREDIT REPORT SHOWS NO TRADELINES NO CREDIT THEREFORE NO SCORES. LENDER MADE EXCEPTION FOR NO SCORE/< 640 FICO FOR THIS LOAN. VOM IN FILE.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. Client agrees<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per page 2 of the attached shows loan approvedXX/XX/XXXX. Exception detail on 1st page in the attached for both the housing ratio and the fico<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per lender approved exception tri-merged scores <660. Credit scores for both borrowers missing. Lender exception doesn't address absence of scores<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION APPROVAL FOR CREDIT SCORES UPLOADED 5/8<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): One of the compensating factors for the FICO is reserves. There are no assets in the file to confirm reserves.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - General Ability To Repay Provision Credit History: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10645 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10646 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Rate/Term | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Total verified income of $XXXX, qualifying PITIA $XXXX, credit debt $XXXX, primary PITIA $XXXX, and negative REO of $XXXX. Lender 1008 approved with a DTI XX%. However, a lender-approved exception for higher DTI with a compensating factor was not in file. | SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED APPROVAL WITH DTI OVER 45% ALONG WITH EXCEPTION REQUEST THAT LIST COMPENSATING FACTOR OF OVER $XXXX NET WORTH FOR BORROWER.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Per seller - ATTACHED APPROVAL WITH DTI OVER 45% ALONG WITH EXCEPTION REQUEST THAT LIST COMPENSATING FACTOR OF OVER $XXXX NET WORTH FOR BORROWER.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3130532)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - Pre 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 7,176.29 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of 47.86% moderately exceed the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: Final Closing Disclosure disclosed a first change minimum, maximum, and payment period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - Pre 2018 Construction Permanent: The final Closing Disclosure disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $7,176.29 on page 4; however, the total property costs are $4,246.68 per year.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Waterfall due to DTI exceeding guideline maximum. Total verified income of $XXXX, qualifying PITIA $XXXX, credit debt $XXXX, primary PITIA $XXXX, and negative REO of $XXXX. Lender 1008 approved with a DTI XX%. However, a lender-approved exception for higher DTI with a compensating factor was not in file.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines: Total verified income of $XXXX, qualifying PITIA $XXXX, credit debt $XXXX, primary PITIA $XXXX, and negative REO of $XXXX. Lender 1008 approved with a DTI XX%. However, a lender-approved exception for higher DTI with a compensating factor was not in file. | SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED APPROVAL WITH DTI OVER 45% ALONG WITH EXCEPTION REQUEST THAT LIST COMPENSATING FACTOR OF OVER $XXXX NET WORTH FOR BORROWER.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Per seller - ATTACHED APPROVAL WITH DTI OVER 45% ALONG WITH EXCEPTION REQUEST THAT LIST COMPENSATING FACTOR OF OVER $XXXX NET WORTH FOR BORROWER.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - Pre 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has verified disposable income of at least $XXXX. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10647 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10648 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met. | Waterfall issue due to 2 years employment history and/or prior employment. Unable to verify borrower's 2-year history of employment. Borrower has been employed by XXXX since XXXX; however, only the XXXX W2 is in file, and the previous year was not provided. Furthermore, the borrower had an employment gap from XX/XX/XXXX through XX/XX/XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached prior VOE confirming employment from XXXX-XXXX. Will see if LOE for gap was obtained<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Wil wait for possible gap of employment letter<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender, LOX for Gap in employment not required as it was not significant and borrower was currently employed.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per guidelines provided at time of review "Written explanation required for gaps in employment > one month"<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Lender did not obtain gap letter. XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing receipt of XX/XX/XXXX report; receipt of earlier report was provided.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10649 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met. | Missing electronic consent.<br> Verification of employment not provided within 10 business days of note for coborrower. Letter of explanation for gap in employment of more than 30 days for coborrower was not provided. Insurance verification was not provided for Harmans property. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Complete. Paystubs provided would be for 10 business days. Pay cycle ended on XXXX for both borrowers. New paystubs would have been received day of closing XXXX so the paysubs dated XXXX we deemed acceptable.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan file is still missing Letter of explanation for Co-borrower's gap in employment.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, No gap letter obtained<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception will remain. Missing a gap of employment letter.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Waterfall due to missing verification of employment within 10 business days of note for coborrower. Letter of explanation for gap in employment of more than 30 days for coborrower was not provided. Insurance verification was not provided for Harmans property.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Waterfall due to missing verification of employment within 10 business days of note for coborrower. Letter of explanation for gap in employment of more than 30 days for coborrower was not provided.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Waterfall due to missing verification of employment within 10 business days of note for coborrower. Letter of explanation for gap in employment of more than 30 days for coborrower was not provided. Insurance verification was not provided for Harmans property. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Complete. Paystubs provided would be for 10 business days. Pay cycle ended on 6/12 for both borrowers. New paystubs would have been received day of closing 6/26 so the paysubs dated 6/12 we deemed acceptable.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan file is still missing Letter of explanation for borrower's gap in employment.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, No gap letter obtained<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception will remain. Missing a gap of employment letter.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Complete. Paystubs provided would be for 10 business days. Pay cycle ended on 6/12 for both borrowers. New paystubs would have been received day of closing 6/26 so the paysubs dated 6/12 we deemed acceptable.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan file is still missing Letter of explanation for borrower's gap in employment.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, No gap letter obtained<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception will remain. Missing a gap of employment letter.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10650 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10651 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10652 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10653 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 2 | [2] Asset Documentation - Asset documentation requirements not met. | Missing the source of the grant of $XXXX. The only document provided is the final Closing Disclosure reflecting the grant. | SELLER - GENERAL COMMENT (XX/XX/XXXX): This is a form of Downpayment Assistance that is a gift and not a lien. This is an XXXprogram and some of the DPA's are recorded and some are not. This is an example of one that is a gift so no underlying lien.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide all documentation for XXXgrant.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, no documentation for the grant. the funds act like a gift in this case. There is no retention agreement signed so there is no silent secondary lien. Funds are really a gift vs. grant where a grant is generally a forgivable lien.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Supporting documents for XXXgrant was not provided.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Issue date was left blank on Closing Disclosure.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Loan Designation restated to Non-QM.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Loan Designation restated to Non-QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10655 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10656 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. Lender used a below note rate as the qualifiying rate instead of qualifying at start rate. | SELLER - GENERAL COMMENT (XX/XX/XXXX): This was an error and the loan should have been qualified at a rate of XX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): DTI exceeded max allowed. Per approval P&I is $XXX however subject P&I is $XXX.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/3139535)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Status Test: Disclosure not provided<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Tax Service Fee increased on closing disclosure XX/XX/XXXX with no valid change evident.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10657 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure APR: TILA-RESPA Integrated Disclosure - Loan Calculations: APR oXX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR ofXX% outside ofXX% tolerance. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $0.00 is under disclosed by $55,146.97 compared to the calculated Finance Charge of $55,146.97 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether Homeowners Insurance is included in escrow. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Incomplete: TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether property taxes are included in escrow. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $0.00 is under disclosed by $301,466.10 compared to the calculated total of payments of $301,466.10 which exceeds the $35.00 threshold. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure APR: APR ofXX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR ofXX% outside ofXX% tolerance due to incomplete Final Closing Disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: The Lender Contact Name and Contact NMLS ID was not disclosed on the Closing Disclosure issued XX/XX/XXXX.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance charge variance due to Final Closing Disclosure being incomplete.<br> Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: The Projected Payments section on page 1 of the Closing Disclosure indicated the loan would have escrows for both taxes and insurance; however, page 2 did not reflect that escrows were collected.<br> Federal Compliance - TRID Final Closing Disclosure Incomplete: Incomplete Closing Disclosure was signed by the borrower.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018: Page 1 of Closing Disclosure issued XX/XX/XXXX lists Estimated Taxes, Insurance & Assessments of $1,460.90 monthly. However, page 4 non-escrowed Estimated Property Costs over Year 1 is $0.00 of monthly amount times 12.<br> Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: Page 1 of the Closing Disclosure shows property taxes are included in escrow, but nothing was collected or noted on page 2.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Closing Disclosure is incomplete, which triggered a variance in the Total of Payments.<br> Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: Closing Disclosure pages 1 and 2 indicate no escrows; however, page 4 indicates there will be an escrow account but lists all expenses as non-escrowed.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: The Projected Payments section on page 1 of the Closing Disclosure indicated the loan would have escrows for both taxes and insurance; however, page 2 did not reflect that escrows were collected. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): No new documents were noted in trailing documents.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC the final CD is blank in several places but was signed by the borrower and was included in the loan file and therefore must be tested. Please provide an attestation from the lender confirming the incomplete CD was generated and inadvertently included by the settlement agent solely for the purpose of disclosing fees, notwithstanding the fact that the lender did not authorize or assign the settlement agent responsibility for issuing a CD, and the lender-issued CD at consummation signed by the consumer is the final CD that contains all disclosures required under 1026.19(f).<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): No new documents were noted in trailing documents.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): No new documents were noted in trailing documents.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC the final CD is blank in several places but was signed by the borrower and was included in the loan file and therefore must be tested. Please provide an attestation from the lender confirming the incomplete CD was generated and inadvertently included by the settlement agent solely for the purpose of disclosing fees, notwithstanding the fact that the lender did not authorize or assign the settlement agent responsibility for issuing a CD, and the lender-issued CD at consummation signed by the consumer is the final CD that contains all disclosures required under 1026.19(f).<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): No new documents were noted in trailing documents.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC the final CD is blank in several places but was signed by the borrower and was included in the loan file and therefore must be tested. Please provide an attestation from the lender confirming the incomplete CD was generated and inadvertently included by the settlement agent solely for the purpose of disclosing fees, notwithstanding the fact that the lender did not authorize or assign the settlement agent responsibility for issuing a CD, and the lender-issued CD at consummation signed by the consumer is the final CD that contains all disclosures required under 1026.19(f).<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC the final CD is blank in several places but was signed by the borrower and was included in the loan file and therefore must be tested. Please provide an attestation from the lender confirming the incomplete CD was generated and inadvertently included by the settlement agent solely for the purpose of disclosing fees, notwithstanding the fact that the lender did not authorize or assign the settlement agent responsibility for issuing a CD, and the lender-issued CD at consummation signed by the consumer is the final CD that contains all disclosures required under 1026.19(f).<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC the final CD is blank in several places but was signed by the borrower and was included in the loan file and therefore must be tested. Please provide an attestation from the lender confirming the incomplete CD was generated and inadvertently included by the settlement agent solely for the purpose of disclosing fees, notwithstanding the fact that the lender did not authorize or assign the settlement agent responsibility for issuing a CD, and the lender-issued CD at consummation signed by the consumer is the final CD that contains all disclosures required under 1026.19(f).<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): No new documents were noted in trailing documents.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC the final CD is blank in several places but was signed by the borrower and was included in the loan file and therefore must be tested. Please provide an attestation from the lender confirming the incomplete CD was generated and inadvertently included by the settlement agent solely for the purpose of disclosing fees, notwithstanding the fact that the lender did not authorize or assign the settlement agent responsibility for issuing a CD, and the lender-issued CD at consummation signed by the consumer is the final CD that contains all disclosures required under 1026.19(f).<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): No new documents were noted in trailing documents.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC the final CD is blank in several places but was signed by the borrower and was included in the loan file and therefore must be tested. Please provide an attestation from the lender confirming the incomplete CD was generated and inadvertently included by the settlement agent solely for the purpose of disclosing fees, notwithstanding the fact that the lender did not authorize or assign the settlement agent responsibility for issuing a CD, and the lender-issued CD at consummation signed by the consumer is the final CD that contains all disclosures required under 1026.19(f).<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): No new documents were noted in trailing documents. | Federal Compliance - TRID Final Closing Disclosure APR: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Incomplete: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10658 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX.XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $45.90 exceeds tolerance of $44.00. $1.90 over legal limit. Insufficient or no cure was provided to the borrower. (7520)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $375.00 exceeds tolerance of $0.00. $375.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - Pre October 2018: Loan Disclosures: Non-Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. Appraisal reflects HOA dues are $150.00/year.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Report Fee. Fee Amount of $45.90 exceeds tolerance of $44.00. $1.90 over legal limit. with no valid change of circumstances and no cure was provided to borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points. Fee Amount of $375.00 exceeds tolerance of $0.00. $375.00 over legal limit. with no valid change of circumstances and no cure was provided to borrower. |  | Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - Pre October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10659 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met.<br> [2] Guideline Issue - Ineligible property type.: Single Family Detached<br> [2] Loan File - Missing Document: Hazard Insurance Policy not provided | Waterfall exception due to borrower on current job for less than 2 years. 2 Years Schedule F Provided for Farming Loss is missing.<br> Subject Property is in the agricultural zone and income producing. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached two years sch F that was in the file along with two years complete returns. lender used the very small 24 month loss in DTI. Nothing else is needed for the loss<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): TWO YEARS SCH F AND COMPLETE RETURNS UPLOADED. SMALL LOSS DEDUCTED FROM BORR INCOME<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains.Most recent year to date P& L and Balance sheet statements for XXXX required<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): a p&L is not required for the farming as it was a loss and loss used in dti<br> REVIEWER - CLEARED COMMENT (XX/XX/XXXX): Income loss was included in DTI from farming.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is being tested against appendix Q. Exception remains due to missing year to date P& L and Balance sheet statements<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): this property had a loss of $XXX in XXXX and loss of $XXX in XXXX - I'd say it's hardly used for farming.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains.Exception is due to zoning<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached hoi<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. Hazard Insurance policy not found in trailing mail<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Waterfall exception due to borrower on current job for less than 2 years. 2 Years Schedule F Provided for Farming Loss is missing.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Waterfall exception due to borrower on current job for less than 2 years. 2 Years Schedule F Provided for Farming Loss is missing. | SELLER - GENERAL COMMENT (XX/XX/XXXX): TWO YEARS SCH F AND COMPLETE RETURNS UPLOADED. SMALL LOSS DEDUCTED FROM BORR INCOME<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains.Most recent year to date P& L and Balance sheet statements for XXXX required<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): a p&L is not required for the farming as it was a loss and loss used in dti<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Income loss was included in DTI from farming.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Again, a P&L is not required for Negative income that was used against the borrower.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is being tested against appendix Q. Exception remains due to missing year to date P& L and Balance sheet statements<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): TWO YEARS SCH F AND COMPLETE RETURNS UPLOADED. SMALL LOSS DEDUCTED FROM BORR INCOME<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains.Most recent year to date P& L and Balance sheet statements for XXXX required<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): a p&L is not required for the farming as it was a loss and loss used in dti<br> REVIEWER - CLEARED COMMENT (XX/XX/XXXX): Income loss was included in DTI from farming.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is being tested against appendix Q. Exception remains due to missing year to date P& L and Balance sheet statements<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10660 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Disclosure not provided | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Status Test: Disclosure not provided<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10661 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10662 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Twelve month verification of rent was not found in loan file.<br> Missing electronic consent.<br> Twelve month verification of rent was not found in loan file. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): This is a credit guideline requirement.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached vor<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Guides require 12 mos. VOR. VOR for departure res. says "see statement" then only lists payment for XXXX. Move in dateXX/XX/XXXXclosed XX/XX/XXXX.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): 1st VOR covers XX/XX/XXXX to XX/XX/XXXX (over 2 years verified 0 lates) 2nd VOR in file is from XX/XX/XXXX to XX/XX/XXXX. Highlighted on the report where it shows move in date of XX/XX/XXXX to XX/XX/XXXX and from first page of VOR for this lease account is satisfactory.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Payment scheduled only lists from XX/XX/XXXX. The second VOR in file does not reflect to/from dates. Missing VOR from XX/XX/XXXX.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): This is a credit guideline requirement.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached VOR<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Guides require 12 mos. VOR. VOR for departure res. says "see statement" then only lists payment for June. Move in dateXX/XX/XXXXclosed XX/XX/XXXX.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): 1st VOR covers XX/XX/XXXX to XX/XX/XXXX (over 2 years verified 0 lates) 2nd VOR in file is from XX/XX/XXXX to XX/XX/XXXX. Highlighted on the report where it shows move in date of XX/XX/XXXX to XX/XX/XXXX and from first page of VOR for this lease account is satisfactory.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Payment scheduled only lists from XX/XX/XXXX. The second VOR in file does not reflect to/from dates. Missing VOR from XX/XX/XXXX.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10663 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $103.20 exceeds tolerance of $0.00. $103.20 over legal limit. Insufficient or no cure was provided to the borrower. (7200)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10664 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 2 | [2] Appraisal Reconciliation - Appraisal is required to be in name of Lender: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Transfer letter is missing |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 2 | [2] Missing Document E-Sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Guideline Issue - Ineligible Property Type.: Property Type: Condo (Low Rise) | E-sign Consent Agreement is missing.<br> Properties with more than 10 acres | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): CONDO PROJECT IN ITS ENTIRETY IS ON XX ACRES.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, properties more than 10 acres are ineligible per guides.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 2 | [2] Appraisal Reconciliation - Appraisal is required to be in name of Lender: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal Transfer Letter are required |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $170,990.72 is over disclosed by $495.00 compared to the calculated Amount Financed of $170,495.72 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $98,668.69 is under disclosed by $495.00 compared to the calculated Finance Charge of $99,163.69 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [3] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on XX/XX/XXXX disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $86.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet are required<br> Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Missing Evidence of Initial Loan Application Date<br> Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: re provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $170,990.72 is over disclosed by $495.00 compared to the calculated Amount Financed of $170,495.72 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX).<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $98,668.69 is under disclosed by $495.00 compared to the calculated Finance Charge of $99,163.69 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX).<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> Federal Compliance - TRID Loan Estimate Timing: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - FACTA Disclosure Missing: Creditor did not provide FACTA Credit Score Disclosure.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Initial Application are required<br> Federal Compliance - Missing Initial Loan Application Testing: Initial Application document are required<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Initial Loan Application Date missing<br> Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: Final Closing Disclosure Other Includes Insurance Costs<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Ten Percent Fee Tolerance exceeded. Total amount of $86.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10667 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report datedXX/XX/XXXX missing evidence of receipt. |  |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10668 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $450.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: The earliest dated E-Consent is XX/XX/XXXX which was after the date of the initial Loan Estimate provided electronically issued XX/XX/XXXX. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10669 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Timing: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. | Federal Compliance - TRID Loan Estimate Timing: Missing evidence of XX/XX/XXXX Loan Estimate receipt, using mailbox method results in late delivery.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> State Compliance - Michigan CMPA Home Loan Toolkit Timing: Disclosure not provided<br> Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Disclosure not provided | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10671 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: re-stated designation<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10672 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Closing / Title - Missing Document: Note - Subject Lien not provided<br> [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Maximum Interest Rate: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Interest Rate that does not match the actual maximum interest rate for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum Interest Rate: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Interest Rate Change After Closing Testing: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Interest Rate can change. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Once: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. Loan Terms adjust a single adjustment of Principal and Interest. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Change After Closing Testing: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Principal and Interest Payment can change. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided): Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure.<br> [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXX/LittleXXXX/17127904)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $148.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Closing / Title - Missing Document: Note - Subject Lien not provided: The Note in file reflects the first payment date change is the same date as the maturity date. It appears this maybe be a fixed rate and not an ARM.<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Maximum Interest Rate: adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Interest Rate that does not match the actual maximum interest rate for the loan however information updated from Final CD<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum Interest Rate: Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan however information updated from received documents<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan however information updated from received documents<br> Federal Compliance - TRID Final Closing Disclosure Interest Rate Change After Closing Testing: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Interest Rate can change however information updated from received documents.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Once: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. Loan Terms adjust a single adjustment of Principal and Interest however information updated from received documen<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Change After Closing Testing: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Principal and Interest Payment can change<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br> State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided): Borrower not provided Right Not To Close Disclosure.<br> Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Missing Employment Dates to verify two years employment history for current and/or prior employment.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Ten Percent Fee Tolerance exceeded. Total amount of $148.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing however information updated from Final CD | SELLER - GENERAL COMMENT (XX/XX/XXXX): Although it is a 15/1 ARM, the amortization is based on a 15 year so in essence it is a 15 year fixed rate.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception is still valid, no additional documents provided. The Note in file reflects the first payment date change is the same date as the maturity date. It appears this maybe be a fixed rate and not an ARM.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Correct. It is basically a 15 year fixed rate loan.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The Note in file reflects the first payment date change is the same date as the maturity date. It appears this maybe be a fixed rate and not an ARM. No additional documents provided.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure AIR Table Maximum Interest Rate: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum Interest Rate: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Interest Rate Change After Closing Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Once: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Change After Closing Testing: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided): "The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure." | Borrower has verified disposable income of at least $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Yes | TR Note Deficiency A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10673 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Guideline Issue - This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing: Employer Letter, Paystub, Account Statement within 10 days before note date or prior to disbursement date.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX Note Date: XX/XX/XXXX | E-sign Consent Agreement is missing.<br> Waterfall due to missing income documents.<br> When the loan fails out of Temp QM, it then waterfalls its ATR testing to QM testing for the time the loan was originated. Given adherence to the General QM Final Rule (price-based General QM definition which tests to guidelines instead of App Q) was not mandatory until XXXX, we waterfall the testing to adherence with Appendix Q (the DTI-based General QM definition). If a creditor receives an application between XX/XX/XXXX andXX/XX/XXXXthe creditor may satisfy either the criteria under the prior QM rule (the DTI-based General QM definition with App Q) or the criteria under the revised QM rule (the price-based General QM definition which tests to guidelines) to originate a General QM. <br> • While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> VOE was not provided within 10 days before the note date.<br>When the loan fails out of Temp QM, it then waterfalls its ATR testing to QM testing for the time the loan was originated. Given adherence to the General QM Final Rule (price-based General QM definition which tests to guidelines instead of App Q) was not mandatory until XXXX, we waterfall the testing to adherence with Appendix Q (the DTI-based General QM definition). If a creditor receives an application between XX/XX/XXXX andXX/XX/XXXXthe creditor may satisfy either the criteria under the prior QM rule (the DTI-based General QM definition with App Q) or the criteria under the revised QM rule (the price-based General QM definition which tests to guidelines) to originate a General QM. <br> • While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> VOE was not provided within 10 days before the note date.<br>When the loan fails out of Temp QM, it then waterfalls its ATR testing to QM testing for the time the loan was originated. Given adherence to the General QM Final Rule (price-based General QM definition which tests to guidelines instead of App Q) was not mandatory until XXXX, we waterfall the testing to adherence with Appendix Q (the DTI-based General QM definition). If a creditor receives an application between XX/XX/XXXX andXX/XX/XXXXthe creditor may satisfy either the criteria under the prior QM rule (the DTI-based General QM definition with App Q) or the criteria under the revised QM rule (the price-based General QM definition which tests to guidelines) to originate a General QM. <br> • While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Provided income docs however also see QC memo that was provided with paystubs and w2<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VVOE provided reflects start date of XX/XX/XXXX and 1003 reflects 17 years.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Provided income docs however also see QC memo that was provided with paystubs and w2<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VVOE provided reflects start date of XX/XX/XXXX and 1003 reflects 17 years.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Provided income docs however also see QC memo that was provided with paystubs and w2<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VVOE provided reflects start date of XX/XX/XXXX and 1003 reflects 17 years.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-515.07 exceeds tolerance of $-655.00. Insufficient or no cure was provided to the borrower. (9300)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: The Lender Credits changed to $515.07 on the Closing Disclosure dated XX/XX/XXXX. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC received BPO documents. However, we would require a valid COC for the fee reduced on sequence 2 CD datedXX/XX/XXXX for $515.07 or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Restated to Small Creditor<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10674 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 3 | [3] Appraisal Documentation - Loan is to be securitized. Appraisal Waiver was entered on a conventional loan, and Decision System does not reflect DU or LP. PIW is ineligible. Missing Primary Appraisal. | The file is missing a copy of the secondary valuation required for securitization purposes. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached lp with piw<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan was manually underwritten and not AUS approval. Secondary valuation required, investor to order.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 3 | [3] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-462.06 exceeds tolerance of $-873.00. Insufficient or no cure was provided to the borrower. (9300)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Lender Credits Fee was last disclosed as -$873.00 on the Loan Estimate but disclosed as -$462.06 on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Situamc Lender Credit decreased on CD dated XX/XX/XXXX without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10675 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: ROR was signed by borrower on XX/XX/XXXX, however Notary date on mortgage was XX/XX/XXXX. |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10676 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> [2] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of XXX is less than Guideline representative FICO score of 700. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. The 1008 Loan Underwriting and Transmittal Summary reflects same DTI XX% was used to approve the loan.<br> Middle score 678 does not meet guideline requirement of 700. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached exception approval for fico and dti<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Screenshot does not evidence approval for DTI exception prior to close, please provide evidence exception was approved with doc dated prior to closing. Also screenshot does not address FICO failure.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): exception approval indicates yes for DTI and compensating factor of 5 which means bank relationship. this exception is on the lender's origination system and was documented at origination of this loan. This is their internal portfolio exception tracking which indicates approval. will go back to lender on the Fico<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains due to FICO score. Lender approved exception didn't address Fico <700.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, No exception obtained for the Credit score just the DTI. Loan should still meet appendix Q and ATR<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached exception approval for fico and dti<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Screenshot does not evidence approval for DTI exception prior to close, please provide evidence exception was approved with doc dated prior to closing. Also screenshot does not address FICO failure.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): exception approval indicates yes for DTI and compensating factor of 5 which means bank relationship. this exception is on the lender's origination system and was documented at origination of this loan. This is their internal portfolio exception tracking which indicates approval. will go back to lender on the Fico<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains due to FICO score. Lender approved exception didn't address Fico <700.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, No exception obtained for the Credit score just the DTI. Loan should still meet appendix Q and ATR<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of 45.27% moderately exceed the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $90.00 plus 10% or $99.00. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $475.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. DTI discrepancy appears to be due to rounding, as calculations match the lender approval.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines: Per approval, the loan was approved with XX% DTI, which is slightly higher than the maximum allowed per guideline. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached exception approval for fico and dti<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Screenshot does not evidence approval for DTI exception prior to close, please provide evidence exception was approved with doc dated prior to closing. Also screenshot does not address FICO failure.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): exception approval indicates yes for DTI and compensating factor of 5 which means bank relationship. this exception is on the lender's origination system and was documented at origination of this loan. This is their internal portfolio exception tracking which indicates approval. will go back to lender on the Fico<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains due to FICO score. Lender approved exception didn't address Fico <700 along with higher threshold.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, No exception obtained for the Credit score just the DTI. Loan should still meet appendix Q and ATR<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10677 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX)<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Status: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $120.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal receipt is missing.<br> State Compliance - Michigan CMPA Home Loan Toolkit Status: Disclosure is missing. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10678 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10680 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 3 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Guideline Issue - This loan closed during the COVID-19 affected timeframe. Asset Account date is more than 60 days prior to the Note date or notary date.: Financial Institution: XXXX. // Account Type: Checking / Account Number: XXXX Note Date: XX/XX/XXXX; Notary Date: XX/XX/XXXX | Statements provided are dated through XX/XX/XXXX, Transaction Date is XX/XX/XXXXStatements provided are dated through XX/XX/XXXX, Transaction Date is XX/XX/XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Agree, bank statements did not meet the 60 day temporary guide in XXXX due to covid but are within 90 days and meet it now.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Subject loan closed during the COVID-19 affected timeframe. However asset seasoning requirements of 60 days to be met, exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, Did not obtain within 60 days but did within 120. While it didn't meet agency guides at the time, it shouldn't affect QM. SHQM is fine.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): If the loan does not meet Agency/Temp SHQM requirements the loan waterfall tests to Appendix Q requirements. The loan does not meet agency Temp SHQM requirements and therefore tested as Safe Harbor QM.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Agree, assets did not meet the temporary guide at the time of origination due to covid. Assets are within 90 days. I do not see why this would be a material finding.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Subject loan closed during the COVID-19 affected timeframe. However asset seasoning requirements of 60 days to be met, exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Statements provided are dated through XX/XX/XXXX, Transaction Date is XX/XX/XXXXFederal Compliance - Check Restated Loan Designation Match - QM / ATR: Designation has been restated. |  | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10681 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Guideline Issue - Gift Funds are not permitted per guides. | Lender exception provided due to gift from occupying father on investment purchase. DAR customer service issue. Gift came in the day before closing. MLO/Processor/UW did not catch until after clearing that a gift cannot be used on this property type. However, a compensating factor was not available on the approved lender exception. | SELLER - GENERAL COMMENT (XX/XX/XXXX): loan is 5 years seasoned past the statute of limitations.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing the consent that was completed within this transaction<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Loan is seasoned 5 years. XXXX TO review.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing the approval that was completed within this transaction<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached the exception approval for the gift funds<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception provided does reflect if it was approved or not and no listed compensating factors.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10682 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10683 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met. | Please provide YTD and P&L for XXXX for S-corp income | SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender, Provided a YTD paystub. No P and L obtained for XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX P&L was not provided.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM |  | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10684 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Insurance Analysis - The Flood Insurance Policy effective date is after the Note Date.: Flood Insurance Policy Effective Date XX/XX/XXXX, Note Date XX/XX/XXXX | Loan funded XX/XX/XXXX, prior to Flood Insurance effective date XX/XX/XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Loan close to 10 years seasoned now. XXXX TO review<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10685 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed the monthly escrow payment that is not included PMI of $68.57.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM. |  | Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10686 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10687 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10689 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $XXX. | Verified liquid assets in the amount of $0.00 are insufficient to meet cash to close of $XXX. No assets were provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached bank statements<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): borrowers insurance is auto renewed...attached policy...it was paid in XXXX XXXX..our loan closed in XXXX XXXX. There is no reason to make the borrower go back to June to show this policy's payment. borrower received cash at closing. no funds were needed to close<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The bank statements in the file and provided in trailing documents are dated in XXXX. The subject loan closed in XXXX. POC fees not verified.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Attaching hoi and mortgage statement. this property was escrowed prior to the refinance and the insurance was being paid by the mortgage company. HOI shows mortgagee as specialized loan servicing matching the statement in the file. sufficient evidence to show payment of the hoi<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $774.38 exceeds tolerance of $770.00. Sufficient or excess cure was provided to the borrower at Closing. (7200) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee amount of $774.38 exceeds tolerance of $770.00. Sufficient or excess cure was provided to the borrower at closing. (7200) | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10690 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM | 2 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. | Required $XXXX to close, however actual cash to close was $XXXX, resulting in shortage. Borrower had POC of $XXXX, however missing evidence of payment documentation to consider as liquid asset<br> Required $XXXX to close, however actual cash to close was $XXXX, resulting in shortage. Borrower had POC of $XXXX, however missing evidence of payment documentation to consider as liquid asset | SELLER - GENERAL COMMENT (XX/XX/XXXX): Borrower only needed $XX to close. $XXX in assets verified in file. However, insurance was prepaid and AMC is including this amount in the funds to close making it short. Loan is over 5 years seasoned. XXXX TO review.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN IS SHQM. XXXX TO REVIEW<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to regrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Borrower only needed $XX to close. $XXX in assets verified in file. However, insurance was prepaid and AMC is including this amount in the funds to close making it short. Loan is over 5 years seasoned. XXXX TO review.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN IS SHQM. XXXX TO REVIEW<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to regrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Designation has been restated. |  | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10691 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $140.00 exceeds tolerance of $110.00 plus 10% or $121.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10693 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met. | File is missing the verification of employment document for the Borrower's current job prior to Closing.<br>While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX and XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10695 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | Federal Compliance - ARM Disclosure Timing Test: PLEASE OVERRIDE, loan was initially fixed and on XX/XX/XXXX was changed to a 7/1 ARM; ARM disclosed XX/XX/XXXX.<br> Federal Compliance - CHARM Booklet Disclosure Timing: PLEASE OVERRIDE, loan was initially fixed and on XX/XX/XXXX was changed to a 7/1 ARM; CHARM Booklet provided XX/XX/XXXX. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10696 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3129938)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed $0.00 instead of a '-' in the payment stream on a loan containing Mortgage Insurance. (ProjSeq:4/3129940)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed $0.00 instead of a '-' in the payment stream on a loan containing Mortgage Insurance. (ProjSeq:3/3129939)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3129940)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3129939)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129937)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: On final closing disclosure first change maximum and minimum period updated from the final closing disclosure<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: The Mortgage Insurance Certificate indicates, Lender paid Ins. The CD discloses a monthly MI payment contradicting the Lender Paid Certificate.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: The subject is a Bridge Loan with a 3-month Balloon Payment.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: Principal and interest rate on final closing disclosure $950.14<br> Federal Compliance - TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1: Projected payment on final closing disclosure mortgage insurance is updated as 0<br> Federal Compliance - TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1: Projected payment on final closing mortgage insurance updated as 0<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: The CD dated XX/XX/XXXX indicates a max payment in year 8 of $1720.67. The Note and Arm Disclosure indicate the loan is fixed through year 8.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: The CD dated XX/XX/XXXX indicates a max payment in year 8 of $1720.67. The Note and Arm Disclosure indicate the loan is fixed through year 8.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: The CD dated XX/XX/XXXX indicates a max payment in year 8 of $1720.67. The Note and Arm Disclosure indicate the loan is fixed through year 8.<br> Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: Closing Disclosure pages 1 and 2 indicate no escrows, however page 4 indicates there will be an escrow account but lists all expense as non-escrowed.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: Closing Disclosure pages 1 and 2 indicate no escrows, however page 4 indicates there will be an escrow account but lists all expense as non-escrowed. |  | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10698 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10699 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10700 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $312.00 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10701 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Insurance Analysis - Hazard Insurance Policy expires within 90 days of the Note Date.: Hazard Insurance Policy Expiration Date XX/XX/XXXX, Note Date XX/XX/XXXX | Missing electronic consent.<br> Policy expired XX/XX/XXXX within 90 days of Note date XX/XX/XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10702 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/3134899)<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $140,890.86 is under disclosed by $2,955.70 compared to the calculated Finance Charge of $143,846.56 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. (ProjSeq:4/3134902)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. (ProjSeq:3/3134901)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. (ProjSeq:2/3134900)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3134899)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $288,610.31 is under disclosed by $2,955.70 compared to the calculated total of payments of $291,566.01 which exceeds the $100.00 threshold. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $140,890.86 is under disclosed by $2,955.70 compared to the calculated Finance Charge of $143,846.56 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $288,610.31 is under disclosed by $2,955.70 compared to the calculated total of payments of $291,566.01 which exceeds the $100.00 threshold.<br> Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations |  | Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10703 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: sufficient cure amount provided in the file | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10704 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX was received XX/XX/XXXX with Note date of XX/XX/XXXX missing evidence of waiver. |  |  |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10705 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $60.10 exceeds tolerance of $55.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence of appraisal being sent to borrower 3 days prior to closing.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Credit report fee was disclosed on initial Loan Estimate as $55.00 but disclosed on final Closing Disclosure $60.10. File does not contain a valid COC for this fee, nor is evidence of cure provided in file. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10706 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Rate/Term | Safe Harbor QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $138.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10707 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | SELLER - GENERAL COMMENT (XX/XX/XXXX): Over 3 years seasoned. XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Tax Service Fee (Life Of Loan) increased on XX/XX/XXXX Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: restated<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Loan designation updated to "small creditor" on XX/XX/XXXX | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10708 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met.<br> [2] Guideline Issue - This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing: Employer Letter, Paystub, Account Statement within 10 days before note date or prior to disbursement date.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX Note Date: XX/XX/XXXX | Missing 10-day pre-closing verification of employment.<br> While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX and XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status.<br> As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached vvoe for XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VOE provided not within 10 days per LP.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender, what was obtained was all that was obtained at origination. Verbal was expired.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A current VOE is required to clear the exception.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached vvoe for XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VOE provided not within 10 days per LP.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender, what was obtained was all that was obtained at origination. Verbal was expired.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A current VOE is required to clear the exception.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM.<br> [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXX/Gjorgiev/17037502)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $67.00 exceeds tolerance of $51.00 plus 10% or $56.10. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Designation has been restated.<br> Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Waterfall due to missing VVOE for co-borrower.<br> While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX and XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status.<br> As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached vvoe for XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VOE provided not within 10 days per LP.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10709 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement was not found in file. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Borrower has verified disposable income of at least $XXXX. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10710 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10711 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3134527)<br> [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3134526) | Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Final Closing Disclosure page (1) Projected payments section disclosed there will not be mortgage insurance for payment stream three (3) year nine and payment stream four (4) years ten (10) to year thirty (30).<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Final Closing Disclosure page (1) Projected payments section disclosed there will not be mortgage insurance for payment stream three (3) year nine and payment stream four (4) years ten (10) to year thirty (30). |  | Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10712 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10713 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10714 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> [2] Application / Processing - Missing Document: Other not provided | Loan was lender approved with DTI of XX% which exceeds the guideline maximum allowable of 45%. File is missing lender granted exception with compensating factor.<br> Trust Agreement not provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): uploaded exception<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide actual Lender exception that details out the DTI exception, along with comp factors, the date and name of the person who approve the exception.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): providing the exception on the loan that is documented on the loan origination system and clearly approved since the loan closed. this should be sufficient enough documenting the exception and provided the compensating factor. DTI exception indicated as yes and credit score/history exception as Yes. Compensating factor (CF) indicated at 3 and 8 which mean solid reserves/net worth and temporary situation per the Compensating factors key at the bottom.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): uploaded trust docs<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please Provide the actual Revocable Living Trust.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, what they supplied is all that is in the file. Full trust was not required as it was just necessary to determine if borrower had right to refinance property.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Nothing provided, XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $450.00 exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of XX% significantly exceed the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br> [2] Federal Compliance - General QM Provision Investor and QM DTIs don't match and both significantly exceed Guidelines: General QM: The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(e) of XX% significantly exceed the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Loan Designation restated to Non-QM.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines: Loan Designation restated to Non-QM.<br> Federal Compliance - General QM Provision Investor and QM DTIs don't match and both significantly exceed Guidelines: Loan was lender approved with DTI of XX% which exceeds the guideline maximum allowable of 45%. File is missing lender granted exception with compensating factor. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Complete. Providing screenshot of Exception tracking screen.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide actual Lender exception that details out the DTI exception, along with comp factors, the date and name of the person who approve the exception.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): providing the exception on the loan that is documented on the loan origination system and clearly approved since the loan closed. this should be sufficient enough documenting the exception and provided the compensating factor. DTI exception indicated as yes and credit score/history exception as Yes. Compensating factor (CF) indicated at 3 and 8 which mean solid reseves/net worth and temporary situation per the Compensating factors key at the bottom.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10715 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Guideline Issue - This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing: Employer Letter, Paystub, Account Statement within 10 days before note date or prior to disbursement date.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX Note Date: XX/XX/XXXX<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing Verification of Employment for XXXX completed within 10 business days prior to the Note date.<br> Missing Verification of Employment for XXXX completed within 10 business days prior to the Note date.<br> Waterfall issue due to missing Verification of Employment for XXXX completed within 10 business days prior to the Note date.<br> The Verification of Employment completed within 10 business days prior to Note date is missing for XXXX. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): No verbal VOE performed for XXXX, only the Employment attestation which I have provided<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender agrees.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): No verbal VOE performed for XXXX, only the Employment attestation which I have provided<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender agrees.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): No verbal VOE performed for XXXX, only the Employment attestation which I have provided<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender agrees.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): No verbal VOE performed for XXXX, only the Employment attestation which I have provided<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender agrees.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM.<br> [2] Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXX/Vessely/17037976) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Designation has been restated.<br> Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Waterfall issue due to missing Verification of Employment for XXXX completed within 10 business days prior to the Note date. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10716 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (43-Q) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10717 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> [2] Document Error - Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Waterfall due to XXXX #XXXX account is reflected as being paid at closing on the 1003. However, the final Closing Disclosure does not reflect the debt being paid at closing. Therefore, the DTI of XX% exceeds program guideline of 43.00%.<br> The file is missing justification for using rental income to qualify for the departing primary residence. | SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED RENT PAYMENT, LEASE AGREEMENT, TAXES AND INSURANCE ON PRIOR HOME. XXXX ACCOUNT IS AN AUTHORIZED USER ACCT PER CREDIT REPORT AND COULD BE EXCLUDED. IF MACYS ACCT EXCLUDED AND XXXX INCLUDED DTI IS UNDER 43%.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender, Debt was not paid off at closing and there is no exception approval for the DTI.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per lender, Debt was not paid off at closing and there is no exception approval for the DTI. Exception is assigned to the buyer for review.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO REVIEW/WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception is assigned to buyer for review.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10718 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10719 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10720 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10721 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] General - The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio.: Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | The Investor's qualifying DTI is less than the QM DTI. | SELLER - GENERAL COMMENT (XX/XX/XXXX): over 3 years seasoned. XXXX TO review/waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. Sufficient or excess cure was provided to the borrower at Closing. (7580) | Federal Compliance - ARM Disclosure Timing Test: Please override; loan was initially fixed and was changed to a 5/6 ARM on XX/XX/XXXX.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10722 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (FinXX/XX.XXXX)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment $603.08 does not match the actual escrow $615.48 payment for the loan.<br> State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10723 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10725 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met. | Third party verification for primary borrower's employment provided, however document doesn't disclose start date or duration.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Assigned to XXXX. Seller comments: XXXX TO review. Agree, verbal doesn't show a start date. Application from borrower shows 2years 3 months with current employer. attached paystubs and prior 3 years W2s for employment history<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM.<br> [2] Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXX/XXXX/17037833) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Designation has been restated.<br> Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Missing Employment Dates to verify two years current employment.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Assigned to XXXX. Seller comments: XXXX TO review. Agree, verbal doesn't show a start date. Application from borrower shows 2years 3 months with current employer. attached paystubs and prior 3 years W2s for employment history | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10726 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met. | Missing the gap of employment letter's signature | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10727 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (InterXX/XX/XXXX)<br> [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $145.00 exceeds tolerance of $115.00 plus 10% or $126.50. $18.50 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $671.25 exceeds tolerance of $0.00. $671.25 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: LE issued XX/XX/XXXX and received XX/XX/XXXX, which is of same as Closing Disclosure issued XX/XX/XXXX and received XX/XX/XXXX.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten percent tolerance exceeded, Total amount exceeded tolerance of $126.50. Cure of $35.00 is provided to borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero percent tolerance due to Loan Discount Fee disclosed as $0.00 in Initial LE and as $671.25 in Final CD. No Changed circumstance provided. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC received no new documents to address the exception. As per file final LE and initial CD was issued same day on XX/XX/XXXX. Revised Loan Estimate may not be delivered at the same time as the Closing Disclosure. Section 1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under § 1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under § 1026.19(f)(1)(i). Section 1026.19(e)(4)(ii) also requires that the consumer must receive any revised version of the disclosures required under § 1026.19(e)(1)(i) no later than four business days prior to consummation, and provides that if the revised version of the disclosures are not provided to the consumer in person, the consumer is considered to have received the revised version of the disclosures three business days after the creditor delivers or places in the mail the revised version of the disclosures.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC received no new documents to address the exception. As per file the 10% fees contains only recording fee which was increased from $115 to $145 on final CD without providing any valid COC in file. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC received no new documents to address the exception. As per file the Discount points were added on XX/XX/XXXX without providing any valid COC in file. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. | Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10728 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10729 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $460.00 exceeds tolerance of $395.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10730 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10731 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10732 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> [2] Application / Processing - Missing Document: Missing Final 1003<br> [2] Income Documentation - The verification of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Loan was approved via DU findings with approved/ineligible findings. Lender granted an DTI exception. However the DTI for manual underwrite is 45% and current DTI is XX% which is exceeding the max DTI.<br> The file is missing a copy of the final 1003<br> Employment verification dated XX/XX/XXXX is not within 10 business days of XX/XX/XXXX Note. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, unable to provide final 1003<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please see statement from lender.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, unable to provide the vvoe<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VVOE required within 10 business days of the Note per AUS in file.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX.XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:834XX/XX.XXXX)<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Restated to Non QM<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Loan was approved via DU findings with approved/ineligible findings. Lender granted an DTI exception. However the DTI for manual underwrite is 45% and current DTI is XX% which is exceeding the max DTI. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10733 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10734 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-223.13 exceeds tolerance of $-224.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10735 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - RE-GRADED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10736 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 |  |  |  |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10737 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 2 | [2] Insurance Analysis - Hazard Insurance Policy expires within 90 days of the Note Date.: Hazard Insurance Policy Expiration Date XX/XX/XXXX, Note Date XX/XX/XXXX | Policy expired XX/XX/XXXX prior to XX/XX/XXXX closing. |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $223.75 exceeds tolerance of $220.00. $3.75 over legal limit. Insufficient or no cure was provided to the borrower. (7200)<br> [2] State Compliance - Ohio CSPA Tangible Net Benefit Test: Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Fee was last disclosed as $220.00 on the Loan Estimate, but was disclosed as $223.75 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $3.75, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10739 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Document Error - Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7564) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10740 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $60.00 exceeds tolerance of $0.00. $60.00 over legal limit. Insufficient or no cure was provided to the borrower. (7713)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $327.00 exceeds tolerance of $0.00. $327.00 over legal limit. Insufficient or no cure was provided to the borrower. (7708) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: A valid COC for the addition of the fee was not provided. No cure at close<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: A valid COC for the addition of the fee was not provided. No cure at close |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10741 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Insurance Analysis - Hazard Insurance Policy expires within 90 days of the Note Date.: Hazard Insurance Policy Expiration Date XX/XX/XXXX, Note Date XX/XX/XXXX |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-417.06 exceeds tolerance of $-421.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10742 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (InitiXX/XX/XXXX) | Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Closing Disclosure Issue Date Not Provided and updated the Closing Disclosure as per the guidelines. |  | Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Maximum Interest Rate: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Interest Rate that does not match the actual maximum interest rate for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum Interest Rate: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Interest Rate Change After Closing Testing: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Interest Rate can change. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Once: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. Loan Terms adjust a single adjustment of Principal and Interest. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Change After Closing Testing: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Principal and Interest Payment can change. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3143190)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3143189)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3143188)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. (ProjSeq:4/3143190)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. (ProjSeq:3/3143189)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. (ProjSeq:2/3143188)<br> [3] Federal Compliance - TRID Post Close Closing Disclosure Timing Regular Transactions: TILA-RESPA Integrated Disclosure – Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $450.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan.<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Maximum Interest Rate: Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Interest Rate that does not match the actual maximum interest rate for the loan.<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum Interest Rate: Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan.<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Interest Rate Change After Closing Testing: Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Interest Rate can change. (FinXX/XX/XXXX)<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Once: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. Loan Terms adjust a single adjustment of Principal and Interest. (FinXX/XX/XXXX)<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Change After Closing Testing: Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Principal and Interest Payment can change. (FinXX/XX/XXXX)<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AIR Table Maximum Interest Rate: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum Interest Rate: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Interest Rate Change After Closing Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Once: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Change After Closing Testing: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Post Close Closing Disclosure Timing Regular Transactions: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10745 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Appraisal Documentation - Missing Document: Appraisal not provided | File is missing a copy of the Full Appraisal document.<br> Appraisal not provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): APPRAISAL UPLOADED ON PRIOR EXCEPTION<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): PER 1008 - APPRAISAL FROM XXXX WAS USED FOR VALUE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The appraisal provided is dated in XXXX, prior to the application date.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): uploaded exception approval to use older appraisal<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender exception provided<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Attached appraisal<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The appraisal provided is dated in XXXX, prior to the application date.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): uploaded exception approval to use older appraisal<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender exception provided | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. | Federal Compliance - ARM Disclosure Timing Test: ARM Disclosure provided XX/XX/XXXX was not within 3 days of application XX/XX/XXXX.<br> Federal Compliance - CHARM Booklet Disclosure Timing: CHARM Booklet provided XX/XX/XXXX was not within 3 days of application XX/XX/XXXX.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Designation has been restated. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10746 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10748 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Guideline Issue - Borrower has been on current job less than 2 years, and prior employment history was not documented as required.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX.<br> [2] Income Documentation - Income documentation requirements not met. | Asset is insufficient to cover reserves required.<br> Missing the Profit and Loss statement ,W2, pay stubs and additional supporting income document for the borrower.<br> Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> Loan amount of $XXXX requires a reserves of 3 months.<br> Third party verification of borrower's income with XXXX is missing. Unable to confirm start date and duration.<br> Third party verification of co- borrower's start and end date with XXXX was missing from loan documents.<br> Also, signed 1040s missing (XXXX, XXXX) for personal and business returns. | SELLER - GENERAL COMMENT (XX/XX/XXXX): I don't believe reserves were required based on LTV. Please revalidate.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per the guidelines, if the DTI exceeds 43%, 3 months reserves is required.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Income for XXXX not used so verification not required. Only income used was for XXXX. Cb start and end date for XXXX isXX/XX/XXXX to XX/XX/XXXX. Reference the 1003. all other docs uploaded<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Calculated DTI is XX% which is exceeding the provided 1008 DTI of XX%, excluding income from XXXX will increase the DTI, final 1003 shows no credit liabilities while credit report has multiple liabilities which were added in the ratio, please verify if these liabilities are paid off then provide the supporting document and same will be excluded from the DTI.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Ratios show XX%. No exception was needed. Please advise<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Calculated DTI is XX% which is exceeding the provided 1008 DTI of XX%, excluding income from XXXX will increase the DTI, final 1003 shows no credit liabilities while credit report has multiple liabilities which were added in the ratio, please verify if these liabilities are paid off then provide the supporting document and same will be excluded from the DTI.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached assets<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Asset documents provide are duplicate of what is already in file. Calculated asset is insufficient to cover reserve required. Exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): I don't believe reserves were required based on LTV. Please revalidate.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per the guidelines, if the DTI exceeds 43%, 3 months reserves is required.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Income for XXXX not used so verification not required. Only income used was for XXXX. Cb start and end date for XXXX isXX/XX/XXXX to XX/XX/XXXX. Reference the 1003.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Calculated DTI is XX% which is exceeding the provided 1008 DTI of XX%, excluding income from XXXX will increase the DTI, final 1003 shows no credit liabilities while credit report has multiple liabilities which were added in the ratio, please verify if these liabilities are paid off then provide the supporting document and same will be excluded from the DTI.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $138,908.90 is over disclosed by $201.80 compared to the calculated Amount Financed of $138,707.10 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX.XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $110,090.46 is under disclosed by $201.80 compared to the calculated Finance Charge of $110,292.26 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX.XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX.XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Initial 1003 is missing.<br> Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $138,908.90 is over disclosed by $201.80 compared to the calculated Amount Financed of $138,707.10 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate .<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $110,090.46 is under disclosed by $201.80 compared to the calculated Finance Charge of $110,292.26 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX).<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Creditor did not provide List of Homeownership Counseling Organizations to borrower. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10749 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,100.00 exceeds tolerance of $1,065.00. Sufficient or excess cure was provided to the borrower at Closing. (7334) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10750 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $67.00 exceeds tolerance of $51.00 plus 10% or $56.10. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10751 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying housing ratio discrepancy.: Calculated investor qualifying housing ratio of XX% exceeds Guideline housing ratio of XX%.<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | The front end DTI is XX% and guides max is 35.00%.<br> The Verification of employment document in the file is not dated within 10 Business days to Closing. Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> The Verification of employment document in the file is not dated within 10 Business days to Closing. Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA | Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10752 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $450.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10753 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX.XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX.XXXX)<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Initial loan application date Missing on file.<br> Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Loan Estimateis not signed/dated and there is no other evidence in loan file the borrower received the revised loan estimate at least 4 business days before closing.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Loan restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation<br> Federal Compliance - Missing Initial Loan Application Testing: Initial 1003 is missing from file.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Loan restated to Small Creditor.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure - List of Homeownership Counseling Organizations Missing | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10754 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing in the file. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Cient elects to downgrade and waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10756 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 2 | [2] Mortgage / Program Eligibility - Guideline Requirement: Combined High loan to value discrepancy.: Calculated high loan to value percentage of XX% exceeds Guideline high loan to value percentage of XX%<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of XX% exceeds Guideline combined loan to value percentage of XX%. | Lender exception provided for exceeding the CLTV of 80% on Cash-out Refinance.<br> Lender exception provided for exceeding the CLTV of 80% on Cash-out Refinance. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender approved exception with compensating factors provided.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender approved exception with compensating factors provided. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $277,991.52 is over disclosed by $148.00 compared to the calculated Amount Financed of $277,843.52 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $82,309.26 is under disclosed by $148.00 compared to the calculated Finance Charge of $82,457.26 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Document Error - Closing Disclosure: Dates are not in chronological order.: Date Issued: XX/XX/XXXX Issue Date: XX/XX/XXXX; Received Date: XX/XX/XXXX; Signed Date: XX/XX/XXXX | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $277,991.52 is over disclosed by $148.00 compared to the calculated Amount Financed of $277,843.52 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX).<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $82,309.26 is under disclosed by $148.00 compared to the calculated Finance Charge of $82,457.26 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX).<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Closing Disclosure not provided within 3 business days prior to closing.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Document Error - Closing Disclosure: Dates are not in chronological order.: Final Closing disclosure Issued on XX/XX/XXXX but signed on XX/XX/XXXX |  | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10757 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10758 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $88.00 exceeds tolerance of $61.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10759 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10760 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10761 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10762 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,606.50 exceeds tolerance of $965.00 plus 10% or $1,061.50. $545.00 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $325.00 exceeds tolerance of $150.00. $175.00 over legal limit. Insufficient or no cure was provided to the borrower. (75215) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $1,606.50 exceeds tolerance of $965.00 plus 10% or $1,061.50. $545.00 over legal limit. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $325.00 exceeds tolerance of $150.00. $175.00 over legal limit. Insufficient or no cure was provided to the borrower. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10763 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of is less than Guideline representative FICO score of 620.<br> [2] Credit Documentation - Missing Document: Credit Report not provided | Waterfall due to missing Credit Report, unable to verify borrower's qualifying FICO score and unable to verify consumer's outstanding liabilities.<br> Waterfall due to missing Credit Report, unable to verify borrower's qualifying FICO score.<br> Credit report in file is missing three credit bureau scores. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): This is a credit guideline requirement.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): This is a credit guideline requirement.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10764 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Credit Documentation - The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | Missing electronic consent.<br> Twelve-month verification of rent was not found in loan file. | SELLER - GENERAL COMMENT (XX/XX/XXXX): over 3 years seasoned. XXXX TO review<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing at time of application, XXXX TO review.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Borrowers had sufficient trade lines and verification of rent was not required.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): VOR required per guidelines.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, VOR not required due to the number of tradelines the borrower had. Not required per the guidelines due to the borrower meeting the minimum number of tradelines.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per guidelines required verification of rent. Exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: The file is missing a copy of the initial 1003.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10765 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10767 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10768 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Miscellaneous - Miscellaneous Credit (Non-Material): | Missing electronic consent.<br> Fraud report not provided. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $15.00 exceeds tolerance of $0.00. $15.00 over legal limit. Insufficient or no cure was provided to the borrower. (8304) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee increased on Closing Disclosure issued on XX/XX/XXXX with no valid change evident. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10769 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10770 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10771 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio CSPA Tangible Net Benefit Test: Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. |  |  |  |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10772 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met. | E-sign Consent Agreement is not provided.<br> The file is missing a copy of gap letter from XX/XX/XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED. XXXX TO WAIVE/REVIEW<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Guideline for gap predates this loan. A gap letter was not requested.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. The file is missing a copy of gap letter from XX/XX/XXXX.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: The file is missing a copy of gap letter from XX/XX/XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Guideline for gap predates this loan. A gap letter was not requested.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Guideline for gap predates this loan. A gap letter was not requested.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10773 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10774 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Document Error - Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements.<br> [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insurance coverage is insufficient by $XXXX based on 80% of value, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $128.00 exceeds tolerance of $100.00 plus 10% or $110.00. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): "The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure."<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10775 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 10,695.85 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.<br> [3] Federal Compliance - TRID Post Close Closing Disclosure Timing Irregular Transactions: TILA-RESPA Integrated Disclosure – Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure. | Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: The loan originator license was issued after application date.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 10,695.85 on Final Closing Disclosure provided on XX/XX/XXXX are over disclosed. |  | Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: "Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation."<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Post Close Closing Disclosure Timing Irregular Transactions: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10776 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $196.00 exceeds tolerance of $100.00 plus 10% or $110.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10777 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $87.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7580)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $22.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7579)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10778 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10779 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3132993)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 16,093.00 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $22.00 exceeds tolerance of $0.00. $22.00 over legal limit. Insufficient or no cure was provided to the borrower. (7579)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $750.00. $450.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,825.00 exceeds tolerance of $1,525.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower. (7334) | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 16,093.00 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $22.00 exceeds tolerance of $0.00. $22.00 over legal limit. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $750.00. $450.00 over legal limit. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,825.00 exceeds tolerance of $1,525.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower. |  | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10780 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10781 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10782 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 2 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Miscellaneous - Credit Exception: | XXXgrant assistance was use for funds to close.<br>The loan passed all Appendix Q testing.<br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> Lender Approved Exception, subject to U/W review, for Next Horizon Expanded with XXXMMCT funds. File is missing compensating factor for lender granted exception.<br> The loan passed all Appendix Q testing.<br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN IS SHQM. LOAN SEASONED OVER 5 YEARS. XXXX TO REVIEW<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN IS SHQM. LOAN SEASONED OVER 5 YEARS. XXXX TO REVIEW<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 |  |  |  |  | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10784 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] General - There is no Appraisal noted and no Property Inspection Waiver (Appraisal Waiver) located in the file. | The loan file contains a 2055 but guidelines require a 1004 with interior photos. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: Final Closing Disclosure provided on XX/XX/XXXX did not disclose a reason for not having an Escrow Account on page 4.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10785 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,100.00 exceeds tolerance of $1,065.00. Sufficient or excess cure was provided to the borrower at Closing. (7334) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of Receipt | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10786 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] HOA - HOA Dues amount was not evidenced in the file, and has not been included in the calculated debt ratio.: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX Property Type: Site Condo | E-sign Consent Agreement is missing.<br> Missing HOA verification. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10787 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-184.00 exceeds tolerance of $-185.00. Insufficient or no cure was provided to the borrower. (9300)<br> [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,280.00 exceeds tolerance of $1,054.00 plus 10% or $1,159.40. $120.60 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-184.00 exceeds tolerance of $-185.00. Sufficient cure is required.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $1,280.00 exceeds tolerance of $141.00 plus 10% or $155.10. $1,124.90 over legal limit. Sufficient cure is required. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC received BPO, however we require valid COC for decrease of lender credit on CD dated 11/16. Please provide valid COC with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC received BPO, however we require valid COC for increase of title fees. Please provide valid COC with sufficient information why title fees increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. | Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10788 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $350.00 exceeds tolerance of $0.00. $350.00 over legal limit. Insufficient or no cure was provided to the borrower. (77183)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $875.00 exceeds tolerance of $750.00. $125.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee increased onXX/XX/XXXX Loan Estimate and again onXX/XX/XXXX Closing Disclosure with no valid change evident.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee increased onXX/XX/XXXX Loan Estimate and again onXX/XX/XXXX Closing Disclosure with no valid change evident. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10789 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 2 | [2] Property Eligibility - Site and Utilities - Genesee County Water Contamination: Property is located in Genesee County, MI and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing appraisal or other documentation verifying water source.<br> Missing verbal verification of employment for borrower obtained within 10 days of Note date (XXXX). The employer letter provided is undated, thus, unable to determine whether the document meets timing requirements.<br> Missing verbal verification of employment for borrower obtained within 10 days of Note date (XXXX). The employer letter provided is undated, thus, unable to determine whether the document meets timing requirements. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Paystub datedXX/XX/XXXX was used as verification. Paystub dated within 10 business days as this was within the pay cycle. Supplying paystub.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remians. VOE dated within 10 buisness days of note required<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): paystub dated within 10 days of note is acceptable to meet 10 day PCV<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. VOE dated within 10 business days of note required (DU).<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Paystub datedXX/XX/XXXX was used as verification. Paystub dated within 10 business days as this was within the pay cycle. Supplying paystub.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remians. VOE dated within 10 buisness days of note required<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): paystub dated within 10 days of note is acceptable to meet 10 day PCV<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. VOE dated within 10 business days of note required (DU).<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - Investment Property Submitted as QM Test: Ability to pay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability to pay requirements under 1026.43 based on deal settings.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - Investment Property Submitted as QM Test: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10790 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10791 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 2 | [2] General - Missing Document: COVID-19 Attestation not provided |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: A Search of the NMLS Consumer Access Site indicates the NMLS number for the loan originator XXXX, was not located.<br> Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Lender to lender refinance per title, H-9 form should have been used. |  | Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> Effective XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. | Borrower has verified disposable income of at least $XXXX.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10792 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10793 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement was not found in file. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 |  |  |  |  | The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10794 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $405.00 exceeds tolerance of $350.00 plus 10% or $385.00. $20.00 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% tolerance was exceeded by $55 due to increase of Title - Settlement / Closing / Escrow Fee, Title - Closing Protection Letter Fee. |  |  |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10795 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10796 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of XX% exceeds Guideline combined loan to value percentage of XX%.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%.<br> [2] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | Calculated loan-to-value and combined loan-to-value XX% exceeds guideline loan-to-value percentage of 96.50%. Subject property sales price $XXXX and loan amount is $XXXX.<br> E-sign Consent Agreement is missing.<br> Calculated combined loan-to-value percentage of XX% exceeds guideline loan-to-value percentage of 96.50%. Subject property sales price $XXXX and loan amount is $XXXX.<br> Waterfall due to DTI. Per approval, loan was approved with DTI XX%, which exceeds 43% max allowed per guideline. A lender approved exception for higher DTI threshold with compensating factors was not provided.<br> Calculated loan-to-value percentage of XX% exceeds guideline loan-to-value percentage of 96.50%. Subject property sales price $XXXX and loan amount is $XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Unable to provide exception approval however this loan was originated by XXXX and based on asset size and number of originations, would have qualified for Small Creditor Exemption.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains due to LTV and CLTV exceeded max allowed per guideline<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Unable to provide exception approval however this loan was originated by XXXX and based on asset size and number of originations, would have qualified for Small Creditor Exemption.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains due to LTV and CLTV exceeded max allowed per guideline<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Unable to provide exception approval however this loan was originated by XXXX and based on asset size and number of originations, would have qualified for Small Creditor Exemption.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains due to DTI exceeding 43% allowed per SHQM<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Unable to provide exception approval however this loan was originated by XXXX and based on asset size and number of originations, would have qualified for Small Creditor Exemption.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains due to LTV and CLTV exceeded max allowed per guideline<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX sent SAMC a loan list for Small Creditor Portfolio QM and this loan was no on the list.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): MI IS NOW CANCELLED WITH BALANCE OF LOAN. LOAN ORIGINATED CLOSE TO 10 YEARS AGO. NOT HAVING THE MI CERT FROM ORIGINATION ON A LOAN IT IS NO LONGER ACTIVE SHOULDN'T BE MATERIAL GRADE 3.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. note is Conventional with MI therefore Mortgage Insurance Certificate is needed.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the mortgage insurance payment for payment stream 2. (ProjSeq:2/3157641)<br> [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3157640)<br> [3] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure XX/XX/XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3157641)<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> [3] Federal Compliance - TRID Interim Closing Disclosure Timing Regular APR Change: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX016)<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% significantly exceeds the guideline maximum of 43.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Mortgage insurance payment of $91.47 monthly is included.<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Mortgage insurance payment of $91.47 monthly is included on the final Closing Disclosure.<br> Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: Seller Closing Disclosure is missing.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Closing Disclosure is required to be provided to the borrower within 6 business days prior to closing.<br> Federal Compliance - TRID Interim Closing Disclosure Timing Regular APR Change: Closing Disclosure is required to be provided to the borrower within 3 business days prior to closing.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of appraisal receipt not provided.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: Per approval, loan was approved with DTI XX%, which exceeds 43% max allowed per guideline. A lender approved exception for higher DTI threshold with compensating factors was not provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Unable to provide exception approval however this loan was originated by XXXX and based on asset size and number of originations, would have qualified for Small Creditor Exemption.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains due to DTI exceeding 43% allowed per SHQM<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive | Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Interim Closing Disclosure Timing Regular APR Change: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. | Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10798 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10799 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing Electronic Consent | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $55.00 plus 10% or $60.50. $39.50 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Cure amount not provided on final CD, file does not contain a valid COC for this fee, nor evidence of cure in file. |  |  | The representative FICO score is above 680. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10800 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10801 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $53,542.18 is under disclosed by $30,000.00 compared to the calculated Finance Charge of $83,542.18 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $345.00 exceeds tolerance of $0.00. $345.00 over legal limit. Insufficient or no cure was provided to the borrower. (7708) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance charge understated by $30,000. No compliance or high cost analysis is in the file. The understated finance charge of $30,000 exceeds the maximum threshold of $100 that a finance charge can be understated.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Home inspection Fee Added on XX/XX/XXXX Closing Disclosure was added as a fee of $345, the home inspection on the Loan Estimate was disclosed as $300. Fee is $45 over legal limit with insufficient or no cure to borrower |  | Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10803 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying housing ratio discrepancy.: Calculated investor qualifying housing ratio of XX% exceeds Guideline housing ratio of XX%. | The approval and calculated front-end DTI is XX%, and the guidelines state the maximum front-end DTI allowed is 35% due to qualifying method: Fixed term less than seven years - Locked rate + 2%. Data being used in calculations.<br> Income: $XXXX.<br> Subject Mortgage P&I: $XXXX. (per guideline qualification method of Fixed term less than seven years-Locked rate + 2%).<br> Total Other Financing. N/A.<br> Hazard $XXXX.<br> Flood: $n/a.<br> MI $ n/a.<br> Taxes $XXXX.<br> Non subject REO $n/a.<br> HOA DUES $n/a. | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN IS A 7/1 ARM - QUALIFYING RATE IS START RATE.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Updated front end DTI is XX% which matches what the loan was approved at however it exceeds the guideline maximum of 35%. Lender approved exception with compensating factors was not provided.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached exception approval which indicates exception for front end dti over 35% but backend under threshold. compensating factor #XXXXhich is low ltv/cltv<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Calculated investor qualifying housing ratio of XX% exceeds Guideline housing ratio of XX%.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per lender exception screenshot unable to determine comp factors. Exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ? Compensating factor was indicated as Low LTV/CLTV<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - General QM Provision Investor DTI significantly exceeds Guidelines: General QM: The DTI calculated in accordance with the Lenders Guidelines of XX% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Guideline Deficiency - QM Impact: General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $700.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - General QM Provision Investor DTI significantly exceeds Guidelines: Data being used in calculations.<br> Income: $XXXX.<br> Subject Mortgage P&I: $XXXX. (per guideline qualification method of Fixed term less than seven years-Locked rate + 2%).<br> Total Other Financing. N/A.<br> Hazard $XXXX.<br> Flood: $n/a.<br> MI $ n/a.<br> Taxes $XXXX.<br> Non subject REO $n/a.<br> HOA DUES $n/a.<br> Credit debt $XXXX<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Data being used in calculations.<br> Income: $XXXX.<br> Subject Mortgage P&I: $XXXX. (per guideline qualification method of Fixed term less than seven years-Locked rate + 2%).<br> Total Other Financing. N/A.<br> Hazard $XXXX.<br> Flood: $n/a.<br> MI $ n/a.<br> Taxes $XXXX.<br> Non subject REO $n/a.<br> HOA DUES $n/a.<br> Credit debt $XXXX<br> Federal Compliance - Guideline Deficiency - QM Impact: Data being used in calculations.<br> Income: $XXXX.<br> Subject Mortgage P&I: $XXXX. (per guideline qualification method of Fixed term less than seven years-Locked rate + 2%).<br> Total Other Financing. N/A.<br> Hazard $XXXX.<br> Flood: $n/a.<br> MI $ n/a.<br> Taxes $XXXX.<br> Non subject REO $n/a.<br> HOA DUES $n/a.<br> Credit debt $XXXX | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN IS A 7/1 ARM - QUALIFYING RATE IS START RATE.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Updated front end DTI is XX% which matches what the loan was approved at however it exceeds the guideline maximum of 35%. Lender approved exception with compensating factors was not provided.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached exception approval which indicates exception for front end dti over 35% but backend under threshold. compensating factor #XXXXhich is low ltv/cltv<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per lender exception screenshot unable to determine comp factors. Exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Uploaded exception to docacuity 5-11. CF #XXXXhich means low ltv/cltv per the table provided<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN IS A 7/1 ARM - QUALIFYING RATE IS START RATE.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Updated front end DTI is XX% which matches what the loan was approved at however it exceeds the guideline maximum of 35%. Lender approved exception with compensating factors was not provided.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached exception approval which indicates exception for front end dti over 35% but backend under threshold. compensating factor #XXXXhich is low ltv/cltv<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per lender exception screenshot unable to determine comp factors. Exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Uploaded exception to docacuity 5-11. CF #XXXXhich means low ltv/cltv per the table provided<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): File has been escalated to review lender granted exception. Exception comment will be updated upon receipt.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SHQM (APOR) EV2-B with lender exception approval, pre-consummation ATR analysis and sufficient comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN IS A 7/1 ARM - QUALIFYING RATE IS START RATE.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Updated front end DTI is XX% which matches what the loan was approved at however it exceeds the guideline maximum of 35%. Lender approved exception with compensating factors was not provided.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached exception approval which indicates exception for front end dti over 35% but backend under threshold. compensating factor #XXXXhich is low ltv/cltv<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per lender exception screenshot unable to determine comp factors. Exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Uploaded exception to docacuity 5-11. CF #XXXXhich means low ltv/cltv per the table provided<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): File has been escalated to review lender granted exception. Exception comment will be updated upon receipt.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SHQM (APOR) EV2-B with lender exception approval, pre-consummation ATR analysis and sufficient comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10804 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10805 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10806 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10807 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Loan was approved with higher DTI 64.57%. However, a lender exception for higher DTI with compensating factors was not provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): I have included the CTC package which acknolwedges the high DTI and the income calculation. In the package, the Portfolio Exception request was signed off on by the underwriter and they also acknowledged the income being lower. No management approval is in the file.<br> REVIEWER - CLEARED COMMENT (XX/XX/XXXX): Client agrees, no approval provided.<br> REVIEWER - RE-OPEN COMMENT (XX/XX/XXXX): Cleared in error.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment. The disclosed frequency of adjustments does not match the actual adjustment period for the loan.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Loan was approved with higher DTI 64.57%. However, a lender exception for higher DTI with compensating factors was not provided. |  | Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10808 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10809 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 2 | 2 | [2] Application / Processing - 1003 Error: citizenship Source Documentation was not provided: Borrower: XXXX<br> [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX.<br> [2] Document Error - Borrower(s) is not a U.S. citizen, and the guideline required documentation was not provided.: Borrower: XXXX<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] General - Missing Document: Verification of Non-US citizen Status not provided | Per final 1003, borrower is Permanent Residence Alien however supporting doc required was not provided.<br> Per Doc ID 0323 the borrowers had to give back $7000 of the gift funds, which is now causing the insufficient funds for closing. The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> Per Doc ID 0323 the borrowers had to give back $7000 of the gift funds, which is now causing the insufficient funds for closing. The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> Per final 1003, borrower is Permanent Residence Alien however supporting doc required was not provided.<br> E-sign Consent Agreement is missing in file.<br> Per final 1003, borrower is Permanent Residence Alien however supporting doc required was not provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $150.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10810 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - ARM Disclosure Timing Test: Missing from the file.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10811 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10812 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-715.00 exceeds tolerance of $-725.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) | Federal Compliance - TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing: Tolerance cure was taken care of at closing | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10813 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10814 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10815 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $135.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $475.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10816 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX.XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX.XXXX)<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Missing initial 1003; application date not located in file.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: Final Closing Disclosure dated XX/XX/XXXX did not disclose a reason for not having an escrow account on page 4.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Loan restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification of appraisal was delivered to borrower, but not provided in file.<br> Federal Compliance - Missing Initial Loan Application Testing: Initial application missing in loan file.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Loan restated to Small Creditor.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List of Homeowner Counseling Organizations Disclosure missing in file. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10817 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (InitiXX/XX/XXXX) | Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Issue date was left blank on Closing Disclosure. It appears issue date was XX/XX/XXXX due to Closing disclosure print date was XX/XX/XXXX. |  | Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10818 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: There is no verification inthe file that the borrower received a copy of the valuation at least 3 business days prior to close.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10819 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10821 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - RE-GRADED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 5,746.62 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure not provided to the borrower.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Amount of Estimated Property Costs over Year 1 of 5,746.62 on Final Closing Disclosure provided on XX/XX/XXXX are over disclosed. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10822 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Waterfall due to calculated DTI XX% is exceeds maximum guideline DTI 45%.Lender exception in file did not specify DTI | SELLER - GENERAL COMMENT (XX/XX/XXXX): Attached approval with DTI at 47% and exception request for the DTI.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Lender exception to waive and downgrade | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $130.00 exceeds tolerance of $115.00 plus 10% or $126.50. $3.50 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. (7713)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $275.00 exceeds tolerance of $0.00. $275.00 over legal limit. Insufficient or no cure was provided to the borrower. (7708)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% tolerance was exceeded by $15.00 due to Increase of Recording Fee. No valid COC provided, nor evidence of cure in file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Pest Inspection Fee $50.00 was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Home Inspection Fee $275.00 was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Waterfall due to calculated DTI XX% exceeds maximum guideline DTI requirement of 45%.Lender exception in file did not specify DTI | SELLER - GENERAL COMMENT (XX/XX/XXXX): Attached approval with DTI at 47% and exception request for the DTI.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender exception does not resolve Safe Harbor QM testing max DTI of 43%.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10823 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10824 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10825 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement was not found in file. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10826 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 3 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] General - Loans with an application date after XX/XX/XXXX using a LIBOR Index are not Agency Salable.: Index: LIBOR - 1 Year (Daily); Note Date: XX/XX/XXXX | Per guidelines, A copy of borrower's degree will be required to confirm eligibility however it is not located in the file.<br> E-sign Consent Agreement is missing.<br> Missing paystub and VVOE for 2nd job with XXXX.<br> LIBOR 1 year is used | SELLER - GENERAL COMMENT (XX/XX/XXXX): SENT DOCTOR RESIDENCY VVOE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. 2 years employment history required.A copy of borrower's degree is also required for eligibility<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): w2s were used to document 2 years employment history<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, 2 years employment history not met VOE provided confirms current employment which is less than 2 years.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to waive<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): INCOME FROM XXXX WAS NOT USED TO QUALIFY. PAYSTUB AND 10 DAY VVOE NOT REQUIRED FOR THIS EMPLOYMENT, BORR MAIN EMPLOYMENT INCOME WAS DOCUMENTED<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. 2 years employment history required.A copy of borrower's degree is also required for eligibility<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): again as previously stated the income from XXXX was not used to qualify so paystub and vvoe for michigan are not required. w2s were used to document 2 years employment history<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, 2 years employment history not met Voe provided confirms current employment which is less than 2 years.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure not provided to the borrower.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated no Non-QM<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three business days prior to consummation.<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Missing paystub and VVOE for 2nd job with XXXX.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Current Employment history requirement not met. Missing 2 years employment history. Missing paystub and VVOE for 2nd job with XXXX<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Missing paystub and VVOE for 2nd job with Michigan Healtcare. | SELLER - GENERAL COMMENT (XX/XX/XXXX): INCOME FROM XXXX WAS NOT USED TO QUALIFY. PAYSTUB AND 10 DAY VVOE NOT REQUIRED FOR THIS EMPLOYMENT, BORR MAIN EMPLOYMENT INCOME WAS DOCUMENTED<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. 2 years employment history required.A copy of borrower's degree is also required for eligibility<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): again as previously stated the income from XXXX was not used to qualify so paystub and vvoe for michigan are not required. w2s were used to document 2 years employment history<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, 2 years employment history not met Voe provided confirms current employment which is less than 2 years.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): INCOME FROM XXXX WAS NOT USED TO QUALIFY. PAYSTUB AND 10 DAY VVOE NOT REQUIRED FOR THIS EMPLOYMENT, BORR MAIN EMPLOYMENT INCOME WAS DOCUMENTED<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. 2 years employment history required.A copy of borrower's degree is also required for eligibility<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): again as previously stated the income from XXXX was not used to qualify so paystub and vvoe for michigan are not required. w2s were used to document 2 years employment history<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, 2 years employment history not met Voe provided confirms current employment which is less than 2 years.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10827 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10828 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has owned the subject property for at least 5 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The representative FICO score is above 680. |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10829 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10830 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10831 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $165.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10833 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10834 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $660.00 exceeds tolerance of $625.00. $35.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - ARM Disclosure Status Test: Disclosure not provided<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points were last disclosed as $625.00 on the Loan Estimate but were disclosed as $660.00 on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10835 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. |  | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10836 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $161.88 exceeds tolerance of $161.00. $0.88 over legal limit. Insufficient or no cure was provided to the borrower. (7200)<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee on Loan Estimate in the amount of $161.00 was increased to $161.88 on Closing Disclosure. A valid COC for the fee increase was not provided. No cure at close. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10837 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-746.88 exceeds tolerance of $-764.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) | Federal Compliance - TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-746.88 exceeds tolerance of $-764.00. Sufficient or excess cure was provided to the borrower at Closing | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10838 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,469.00 exceeds tolerance of $1,270.00 plus 10% or $1,397.00. $XX over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Fee was increased on XX/XX/XXXX Loan Estimate and again on XX/XX/XXXX Closing Disclosure, fees that exceed the 10% tolerance is the recording and courier/messenger fees | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC received BPO, however we require valid COC for increase of title fees. Please provide valid COC with sufficient information why fee increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10839 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10840 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. Sufficient or excess cure was provided to the borrower at Closing. (7520)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,100.00 exceeds tolerance of $1,065.00. Sufficient or excess cure was provided to the borrower at Closing. (7334) | Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Receipt dated XX/XX/XXXX however appraisal report dated XX/XX/XXXX. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10841 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided | Missing electronic consent.<br> Missing the subject property Purchase Agreement and any/all addendums/counter offers/etc., showing final sales price of $XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Assigning to XXXX: Per Seller, they would like XXXX TO waive with verified compensation factors<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached purchase agreement<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Purchase contract provided, however addendum notes closing extended until XXXX. Loan closed XXXX. Provide the purchase contract addendum signed by all parties with extension.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TILA NMLSR - Originator Company License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not in approved license status to conduct loan origination activities.<br> [3] Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: TILA-RESPA Integrated Disclosure - Loan Calculations: APR ofXX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR ofXX% outside ofXX% tolerance. (FinXX/XX.XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $78,117.73 is under disclosed by $5,059.32 compared to the calculated Finance Charge of $83,177.05 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX.XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3151636)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $178,023.08 is under disclosed by $5,059.32 compared to the calculated total of payments of $183,082.40 which exceeds the $0.02 per month threshold. (FinXX/XX.XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX.XXXX)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - TILA NMLSR - Originator Company License Status Not Approved: Loan Originator Organization not in approved license status to conduct loan origination activities.<br> Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: APR ofXX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR ofXX% outside ofXX% tolerance. MI payment of $60.23 is not reflected on the Final Closing Disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance charge understated by $5,059.32. Mortgage insurance payment of $60.23 was not reflected on the Final Closing Disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: The mortgage insurance payment of $0.00 disclosed on the Final Closing Disclosure does not match the actual mortgage insurance payment of $60.23.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Total payments understated by $5,059.32. Mortgage insurance payment of $60.23 was not reflected on the Final Closing Disclosure.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Restated Loan Designation<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List was not provided. |  | Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10842 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $178.00 exceeds tolerance of $100.00 plus 10% or $110.00. $68.00 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% tolerance was exceeded by $68.00 due to Increase of Recording Fee. No valid COC provided, nor evidence of cure in file. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC received BPO, however we require valid COC for increase of recording fee on CD dated XX/XX/XXXX. Please provide valid COC with sufficient information why fee increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10843 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Closing Disclosure not provided to borrower at least three business days prior to closing. |  | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The representative FICO score is above 680. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10845 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10846 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan (Tax amount verified from property tax document) |  | Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10847 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure missing. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10848 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Appraisal receipt date is XX/XX/XXXX and appraisal report date is XX/XX/XXXX. |  |  |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10849 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 2 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of is less than AUS qualifying asset balance of $XXX.<br> [2] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $XXX. | Waterfall due to AUS requires $XXX to be verified and no assets were provided.<br> AUS requires $XXX to be verified and no assets were proivided.<br> Required cash to close is $XXX and no assets provided in the file. | SELLER - GENERAL COMMENT (XX/XX/XXXX): If this loan is SHQM, then it can be SHQM<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Total fees at closing include any fees paid outside of closing. Missing the source of the HOI paid prior to closing.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): If this loan is SHQM, then it can be SHQM<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Total fees at closing include any fees paid outside of closing. Missing the source of the HOI paid prior to closing.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): The hazard insurance was renewed in XXXX. this loan closed in XXXX. Why do we need to show the borrower paid this over 2 months prior? no cash was needed at closing because they got cash out of over $1000.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Total fees at closing include any fees paid outside of closing. Missing the source of the HOI paid prior to closing.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): If this loan is SHQM, then it can be SHQM<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Total fees at closing include any fees paid outside of closing. Missing the source of the HOI paid prior to closing.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Designation has been restated. |  | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10851 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Partial Payments: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan allows for Partial Payments. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure Partial Payments: The Final CD has both may accept and does not accept of boxes checked in the "Partial Payments" section on page 4.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure Partial Payments: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10852 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10854 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Deed Preparation Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. $75.00 over legal limit. Insufficient or no cure was provided to the borrower. (77231)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $86.00 exceeds tolerance of $66.00. $20.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee added to Closing Disclosure issued XX/XX/XXXX with no valid change evident.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee increased on Closing Disclosure issued XX/XX/XXXX with no valid change evident. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10855 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Acknowledgement of Receipt of Home Mortgage Loan Information Document not available |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10856 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Calculated DTI of XX% is in excess of the Guidelines maximum of 45%. Loan was approved at XX%. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached dti approval<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Trailing DTI exception is illegible and does not appear to be dated. Need DTI exception approval from time of origination and needs to be legible.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): ATTACHED DTI APPROVAL FROM THE LENDER'S ORIGINATION SYSTEM. IT IS THE EXCEPTION TRACKING ON THE LOAN. I CAN READ IT WITHOUT ZOOMING IN, BUT ZOOMING IN ON THE DOCUMENT IS CLEARLY SHOWS 'YES' FOR DTI EXCEPTION WITH '6' AS THE CF (COMPENSATING FACTOR). 6 MEANS DEEP OR STRONG CREDIT PROFILE NOTED IN THE KEY AT THE BOTTOM. THIS IS HOW THE LENDER DOCUMENTS THE APPROVED EXCEPTIONS FOR THEIR LOANS.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of XX% moderately exceed the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal delivery receipt is not provided to the borrower.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Calculated DTI of XX% is in excess of the Guidelines maximum of 45%. Loan was approved at XX%.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines: Calculated DTI of XX% is in excess of the Guidelines maximum of 45%. Loan was approved at XX%. | SELLER - GENERAL COMMENT (XX/XX/XXXX): attached dti approval<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Trailing DTI exception is illegible and does not appear to be dated. Need DTI exception approval from time of origination and needs to be legible.<br> REVIEWER - RE-GRADED COMMENT (XX/XX/XXXX): Comp factors used to waive exception<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Comp factors used to waive exception | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10857 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10858 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10859 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10860 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: The application date is XX/XX/XXXX and the disclosure was provided XX/XX/XXXX. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10861 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10862 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met. | Missing a balance sheet for the Sch. C income and lease agreement for REO, XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender in regards to sch C, Providing P and L and Business bank statements. The bank statements may have been provided before but note that these are business accounts. This is all I have in the file outside of the tax returns.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): P&L provided. Exception will remain with missing a balance sheet and lease agreement.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated no Non-QM |  | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10864 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] General - Missing Document: Construction Loan Addendum / Allonge not provided<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing electronic consent.<br> Co-Borrower VVOE document is missing in file<br> Construction Loan addendum is missing<br> Co-Borrower VVOE document is missing in file<br> Co-Borrower VVOE document is missing in file | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached XXXX income docs<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide VOE within 10 days from closing, Exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): paystub included in the income docs that is within 10 business days of closing day is acceptable for 10 day PCV requirement<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Paystubs provided are dated XX/XX/XXXX which is not within 10 business days of note dateXX/XX/XXXXexception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan has enough documentation to reach Safe harbor<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Lender unable to obtain. construction period is over and loan is paying based on the note agreement<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Lender is unable to obtain, exception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached XXXX income docs<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide VOE within 10 days from closing, Exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): paystub included in the income docs that is within 10 business days of closing day is acceptable for 10 day PCV requirement<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Paystubs provided are dated XX/XX/XXXX which is not within 10 business days of note dateXX/XX/XXXXexception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan has enough documentation to reach Safe harbor<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached XXXX income docs<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please provide VOE within 10 days from closing, Exception remains.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): paystub included in the income docs that is within 10 business days of closing day is acceptable for 10 day PCV requirement<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Paystubs provided are dated XX/XX/XXXX which is not within 10 business days of note dateXX/XX/XXXXexception remains.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The loan has enough documentation to reach Safe harbor | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3143141)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment - Fixed Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 1 that does not match the actual maximum payment for the loan. (ProjSeq:1/3143141)<br> [3] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - Pre 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 2,100.00 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX016)<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment - Fixed Rate: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 1 that does not match the actual maximum payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - Pre 2018 Construction Permanent: Amount of Estimated Property Costs over Year 1 of 2,100.00 on Final Closing Disclosure provided on XX/XX/XXXX are over disclosed.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  | Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - Pre 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10865 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: The final CD dated XX/XX/XXXX non-escrowed property cost is blank on page 4. |  | Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10866 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $XXXX.<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX.<br> [2] Application / Processing - Missing Document: Approval not provided | File is missing two months bank statements for XXXX account XXXX which was used to qualify per Final 1003.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> File is missing two months bank statements for XXXX account XXXX which was used to qualify per Final 1003.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> Missing electronic consent.<br> No assets were provided to support the reserves required per lender guides.<br> File is missing two months bank statements for XXXX account XXXX which was used to qualify per Final 1003.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> No evidence of an Approval in file. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10867 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX, Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX, Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX, Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX, Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX, Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX, Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX | File is missing additional bank statements to cover a 2 month period for all accounts on the final application, as required by AUS findings. Only 1 month was provided in file.<br> File is missing additional bank statements to cover a 2 month period for all accounts on the final application, as required by AUS findings. Only 1 month was provided in file. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Only 1 month bank statements obtained. Meets Freddie guides. XXXX origination. XXXX TO review.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, borrower was Bank customer and all accounts verified were XXXso they only obtained 1 month.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Even if the lender is the holder of the borrower's account, bank statements covering the most recent full two-month period or printout covering the most recent full two-month period are required.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Only 1 month bank statements obtained. Meets Freddie guides. XXXX origination. XXXX TO review.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, borrower was Bank customer and all accounts verified were XXXso they only obtained 1 month.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Even if the lender is the holder of the borrower's account, bank statements covering the most recent full two-month period or printout covering the most recent full two-month period are required.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $45.90 exceeds tolerance of $44.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10868 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $135.38 exceeds tolerance of $131.00. Sufficient or excess cure was provided to the borrower at Closing. (7200) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10870 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Application date was XX/XX/XXXX and Loan Estimate was issued XX/XX/XXXX.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: XX/XX/XXXX receipt of the right to receive a copy of the appraisal disclosure was not within 3 days of XX/XX/XXXX application. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC received BPO documents. However, we would require Initial LE within three business days of the application datedXX/XX/XXXX in order to clear the exception. | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10871 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 2 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. | Approval required $XXXX to close; however, the actual cost to close was $XXXX, resulting in a shortage.<br> Assets verified #XXXX balance $XXXX, #XXXX balance $XXXX, #XXXX1 balance $XXXX, XXXX balance $XXXX and #XXXX balance $XXXX. Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br> Approval required $XXXX to close; however, the actual cost to close was $XXXX, resulting in a shortage.<br> Assets verified #XXXX balance $XXXX, #XXXX balance $XXXX, #XXXX1 balance $XXXX, XXXX balance $XXXX and #XXXX balance $XXXX. Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXX/17044711) | Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Current and prior employment does not cover the 2 years of employment. A gap of employment was provided in the file.<br>While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX and XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan |  |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10872 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10873 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $87.40 exceeds tolerance of $67.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10874 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review - loan over 3 years seasoned<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): At the time of transaction e-consent was missing.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10875 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $110.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10877 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10879 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10880 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Document Error - Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Mortgagee on insurance document is XXXX National Association ISAOA and lender is XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO REVIEW/WAIVE<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10882 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10883 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10884 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Lender did not provide copy of each valuation to borrowers 3 days prior to consummation. Missing signatures on right to receive valuations |  |  |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10886 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] General - Missing Document: Verification of Non-US citizen Status not provided | Permanent Resident card is required and not provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $254.00 exceeds tolerance of $245.00. Sufficient or excess cure was provided to the borrower at Closing. (7200) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $254.00 exceeds tolerance of $245.00. There is no cure amount or cure letter in file. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10887 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Loan File - Missing Document: Hazard Insurance Policy not provided | E-sign Consent Agreement is not provided.<br> Provided Hazard insurance policy is expired on XX/XX/XXXX. Renewal policy is not provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $244.00 exceeds tolerance of $0.00. $244.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points Fee Amount if $244.00 exceeds tolerance of $0.00. $244.00 with no valid change of circumstances and no cure was provided to borrower. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10888 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $964.00 exceeds tolerance of $767.00 plus 10% or $843.70. $120.30 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% tolerance was exceeded by $120.30 due to an increase in recording fee. No valid Change of Circumstance was provided, nor was evidence of cure found in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $120.30, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): SitusAMC received no documents to address the 10% tolerance cure. Title fees were increased on final CD without providing any valid COC. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10889 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 2 | [2] Income Documentation - Income documentation requirements not met. | File missing verification of existence of borrower 2 business through a third party source dated no more than 30 das prior to the Note Date. | SELLER - GENERAL COMMENT (XX/XX/XXXX): 3rd party voe provided<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): AUS required verification of existence of business dated no more than 30 days prior to note date, or after the note date but prior to delivery. Document provided is dated more than 30 days prior to closing.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): it was pulled on XX/XX/XXXX. it is reflective on the document in the upper right hand corner. Based on the closing date, this is outside 30 days. This was the only verification performed for XXXX .<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client agrees<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 3 | [3] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities.<br> [3] Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [3] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $1,797.50 may be required.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Individual Loan Originator not licensed to conduct loan origination activities.<br> Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: No Loan Estimates provided.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to Non-QM<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Waterfall due to file missing verification of existence of borrower 2 business through a third party source dated no more than 30 das prior to the Note Date.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Waterfall due to file missing verification of existence of borrower 2 business through a third party source dated no more than 30 das prior to the Note Date. | SELLER - GENERAL COMMENT (XX/XX/XXXX): 3rd party voe provided<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): AUS required verification of existence of business dated no more than 30 days prior to note date, or after the note date but prior to delivery. Document provided is dated more than 30 days prior to closing.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): it was pulled on XX/XX/XXXX. it is reflective on the document in the upper right hand corner. Based on the closing date, this is outside 30 days. This was the only verification performed for XXXX .<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client agrees<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): 3rd party voe provided<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): AUS required verification of existence of business dated no more than 30 days prior to note date, or after the note date but prior to delivery. Document provided is dated more than 30 days prior to closing.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): it was pulled on XX/XX/XXXX. it is reflective on the document in the upper right hand corner. Based on the closing date, this is outside 30 days. This was the only verification performed for XXXX .<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client agrees<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> Effective XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10890 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10891 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,493.00 exceeds tolerance of $1,856.00 plus 10% or $2,041.60. $451.40 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Recording Fee Total. Fee Amount of $294.00 exceeds tolerance of $198.00. $96.00 over legal limit. Insufficient or no cure was provided to the borrower. (8202) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Recording Fee increased on closing disclosure issued XX/XX/XXXX, Change of circumstance missing in the loan file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Recording Fee increased on closing disclosure issued XX/XX/XXXX, Change of circumstance missing in the loan file. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10892 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $55.00 exceeds tolerance of $40.00 plus 10% or $44.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10893 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $485.63 exceeds tolerance of $476.00. Sufficient or excess cure was provided to the borrower at Closing. (7200) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10894 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Mortgage / Program Eligibility - AUS Findings: Combined High loan to value discrepancy.: Calculated high loan to value percentage of XX% exceeds AUS high loan to value percentage of XX%<br> [2] Mortgage / Program Eligibility - AUS Findings: Combined loan to value discrepancy.: Calculated combined loan to value percentage of XX% exceeds AUS combined loan to value percentage of XX%.<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] General - Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present.<br> [2] Mortgage / Program Eligibility - Missing Document: Note - Subordinate Lien not provided<br> [2] Mortgage / Program Eligibility - Missing Document: Note - Subordinate Lien not provided | Missing from the file.<br> Missing for the subject second lien.<br> Missing for the subject second lien. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Received the second lien Note for the subordinate lien for $XXXX. Pending receipt of the Note for the subordinate lien for $XXXX Closing Statement provided and disbursement letter is for current lien transaction for $XXXX and security instrument was provided for the additional lien for $XXXX vs the Note. Also, the 1008 and DU were run wit subordinate liens of $XXXX vs $XXXX.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Received the second lien Note for the subordinate lien for $XXXX. Pending receipt of the Note for the subordinate lien for $XXXX Closing Statement provided and disbursement letter is for current lien transaction for $XXXX and security instrument was provided for the additional lien for $XXXX vs the Note. Also, the 1008 and DU were run wit subordinate liens of $XXXX vs $XXXX.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): attached 2nd lien note<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Received the second lien Note for the subordinate lien for $XXXX. Pending receipt of the Note for the subordinate lien for $XXXX Closing Statement provided and disbursement letter is for current lien transaction for $XXXX and security instrument was provided for the additional lien for $XXXX vs the Note. Also, the 1008 and DU were run wit subordinate liens of $XXXX vs $XXXX.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Partial Payments: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan allows for Partial Payments. (FinXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7507) | Federal Compliance - TRID Final Closing Disclosure Partial Payments: The Final Closing Disclosure checked the boxes in the "Partial Payments" section on page 4.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing evidence of receipt for appraisal dated XX/XX/XXXX.<br> Federal Compliance - FACTA Disclosure Missing: Creditor did not provide FACTA Credit Score Disclosure.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Partial Payments: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10895 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $80.00 exceeds tolerance of $45.00 plus 10% or $49.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: 10% tolerance was exceeded by $35 due to increase of $35 in Recording Fee with no valid change evident. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10896 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Document Error - Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | The mortgagee on the hazard insurance is XXXX. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-255.00 exceeds tolerance of $-260.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10898 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing.: Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Hazard Insurance policy effective date XX/XX/XXXX is after Note date XX/XX/XXXX and disbursement date of XX/XX/XXXX. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10899 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated designation<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Re-stated designation | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10900 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10901 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insurance coverage is insufficient by $26,605.60 based on 80% of value, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10902 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Document Error - Borrower(s) is not a U.S. citizen, and the guideline required documentation was not provided.: Borrower: XXXX | A copy of borrower's permanent resident alien card not included in file. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 |  |  |  |  | The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10903 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,643.38 exceeds tolerance of $-2,672.00. Insufficient or no cure was provided to the borrower. (9300)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: The Lender Credits changed to $2,643.38 on the Closing Disclosure dated XX/XX/XXXX. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score is above 680. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10904 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Appraisal Documentation - Missing Document: Appraisal not provided | File is missing the Full Appraisal form 1070 required by the AUS<br> File is missing the Full Appraisal form 1070 required by the AUS | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN WAS A COVID ORIGINATION - EXTERIOR ONLY APPRAISAL IN FILE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A secondary valuation is missing from the file<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN WAS A COVID ORIGINATION - EXTERIOR ONLY APPRAISAL IN FILE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A secondary valuation is missing from the file<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Re-stated to SHQM |  | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10905 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The representative FICO score is above 680. |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10906 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10907 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $80.00 exceeds tolerance of $0.00. $80.00 over legal limit. Insufficient or no cure was provided to the borrower. (7713)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $350.00 exceeds tolerance of $0.00. $350.00 over legal limit. Insufficient or no cure was provided to the borrower. (7708) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee added on Closing Disclosure XX/XX/XXXX with no valid change evident.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee added on Closing Disclosure XX/XX/XXXX with no valid change evident. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10908 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Calculated investor qualifying total debt ratio of XX% exceeds guideline total debt ratio of XX%. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Lender cannot provide CLC exception approval on the DTI for this loan. Loan closed with higher DTI<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains due to calculated investor qualifying total debt ratio of XX% exceeds guideline total debt ratio of XX%.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 3 | [3] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX015)<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.)<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.<br> [2] Federal Compliance - RESPA - Incorrect HUD-1 Form Used: RESPA (2010) - Final HUD-1 Settlement Statement is not on the proper 2010 form.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | Federal Compliance - TIL-MDIA - Initial TIL Missing: Initial Truth in Lending not provided.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Re-stated to Non-QM<br> Federal Compliance - Disbursement Date Missing Test: Disbursement date not provided on the HUD-1.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing was provided.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Waterfall exception due to DTI failure.<br> Miscellaneous Compliance - (Doc Error) Initial GFE not provided: Initial Good Faith Estimate not provided.<br> Federal Compliance - (Missing Data) Last Rate Set Date: Rate lock not provided.<br> Federal Compliance - RESPA - Initial GFE Missing: Initial Good Faith Estimate not provided.<br> Federal Compliance - RESPA - Incorrect HUD-1 Form Used: Final HUD-1 Settlement Statement is not on the proper 2010 form.<br> Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: HUD Settlement Cost Booklet not provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Lender approved DTI of 47%. Please regrade with compensating factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Waterfall remains due to DTI failure. Please provide evidence of approved DTI exception from origination, unable to locate exception approval in file.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Lender cannot provide CLC exception approval on the DTI for this loan. Loan closed with higher DTI<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains due to calculated investor qualifying total debt ratio of XX% exceeds guideline total debt ratio of XX%.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Incorrect HUD-1 Form Used: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10909 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $450.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10910 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX.<br> [2] State Compliance - Ohio CSPA Tangible Net Benefit Test: Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely): Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure at Closing. | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: ROR expiration date reflects XX/XX/XXXX when calculated disbursement date is XX/XX/XXXX. |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely): "The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure." |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10911 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $738.00 exceeds tolerance of $542.00 plus 10% or $596.20. $141.80 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% tolerance was exceeded by $196.00 due to increase of Recording fee, Title - Endorsement Fee, Title - Lender's Title Insurance, Title - Abstract / Title Search. No valid COC provided, no evidence of cure in file. |  |  |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10912 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $55.00 plus 10% or $60.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10913 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10914 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN OVER 5 YEARS SEASONED... XXXX TO REVIEW/ WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Per seller - LOAN OVER 5 YEARS SEASONED... XXXX TO REVIEW/ WAIVE<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10915 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX.<br> [2] Document Error - Closing Disclosure: Dates are not in chronological order.: Date Issued: XX/XX/XXXX Issue Date: XX/XX/XXXX; Received Date: XX/XX/XXXX; Signed Date: XX/XX/XXXX | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Right to cancel signature date is XX/XX/XXXX with expiration date XX/XX/XXXX. Notary date is also XX/XX/XXXX. However, Closing Disclosure issued XX/XX/XXXX was signed XX/XX/XXXX with no evidence of earlier receipt.<br> Document Error - Closing Disclosure: Dates are not in chronological order.: Closing Disclosure issued on XX/XX/XXXX was (received/signed) by borrower on XX/XX/XXXX. |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10916 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10918 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met. | Employment history requirement not met. Job gap from the dates of XX/XX/XXXX thru XX/XX/XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, did not obtain as gap in employment was not significant.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per qm requirements a gap letter is required. Exception remains<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated to NonQM.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Employment history requirement not met. Job gap from the dates of XX/XX/XXXX thru XX/XX/XXXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Per lender, did not obtain as gap in employment was not significant.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per qm requirements a gap letter is required. Exception remains<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B based on compensating factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10919 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10920 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $15.00 exceeds tolerance of $0.00. $15.00 over legal limit. Insufficient or no cure was provided to the borrower. (8304) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Transfer Tax Fee was added on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10921 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10923 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10924 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Missing electronic consent.<br> Asset depletion income was used to qualify, however, guidelines do not indicate that it is a valid source of income.<br> PI $XXX.<br> Hazard $XXX.<br> Taxes $XXX.<br> HOA $XXX<br> Debts $XX<br> Non subject REO $XXX.<br> Income $XXX. | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN IS OVER 3 YEARS SEASONED. XXXX TO REVIEW/WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): PER 1008 CLASSIC GUIDELINES USED WITH ADDITIONAL ASSET DEPLETION GUIDELINES. ATTACHED THE ASSET DEPLETION GUIDELINES TO THE CLASSIC PROGRAM WHICH ALLOWED FOR ASSET DEPLETION ON THIS LOAN<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): We received mapping from XXXX indicating that the guideline to be used is "Classic & Premier Programs_FINAL_XX/XX/XXXX_V.2.pdf." However, the trailing document provided is not the actual guideline, but rather an interoffice memorandum.<br>Please upload the correct guideline documentation to DocAcutiy. Once received, we will proceed with the income re-review.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Attached the guideline addendum again. the addendum refers to the classic guides that were used. it is an addendum to the classic guides allowed for asset depletion. The classic guides are correct. this was a missing addendum/update to those guides<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): We received mapping from XXXX indicating that the guideline to be used is "Classic & Premier Programs_FINAL_XX/XX/XXXX_V.2.pdf." However, the trailing document provided is not the actual guideline, but rather an interoffice memorandum.<br>Guidelines may not be received through the stip clearing process. Please upload to DocACuity for a income re-review.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation. | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [3] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - ARM Disclosure Timing Test: Missing evidence of initial application date. Unable to determine application date and compliance with timing requirements.<br> Federal Compliance - CHARM Booklet Disclosure Timing: Missing evidence of initial application date. Unable to determine application date and compliance with timing requirements.<br> Federal Compliance - TRID Loan Estimate Timing: Missing evidence of initial application date. Unable to determine application date and compliance with timing requirements.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Missing evidence of initial application date. Unable to determine application date and compliance with timing requirements.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Missing evidence of initial application date. Unable to determine application date and compliance with timing requirements. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10925 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Application / Processing - Missing Document: Other not provided | First-time homebuyers must complete a GSE approved certified education and counseling class.<br> First-time homebuyers must complete a GSE approved certified education and counseling class. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10926 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Document Error - The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided.: Title Evidence: Commitment; <br> State: IN | E-sign Consent Agreement is missing.<br> The Title Commitment/Preliminary Title does not reflect the amount of the proposed Lender's coverage. | SELLER - GENERAL COMMENT (XX/XX/XXXX): LOAN OVER 5 YEARS SEASONED. XXXX TO REVIEW/WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Client to review seller comment. Per Seller - LOAN OVER 5 YEARS SEASONED. XXXX TO REVIEW/WAIVE<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): FINAL TITLE WAS NOT ORDERED FOR THIS LOAN.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The title provided is missing hte insured amount<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): Lender did not get title insurance for this product. Seller is good with XXXX ordering the title and paying for it<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review. title policy not ordered for loan<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan ofXX% or Final Disclosure APR ofXX% is equal to or greater than the threshold of APOR 3.15% + 1.5%, orXX%. Compliant Higher Priced Mortgage Loan.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $400.00 exceeds tolerance of $375.00. Sufficient or excess cure was provided to the borrower at Closing. (7506)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $43.00 exceeds tolerance of $42.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: 0% tolerance was exceeded by $25 due to the Appraisal Fee. No valid COC was provided; Specific credit of $26 has been provided as cure at closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: 0% tolerance was exceeded by $1 due to the Credit Report Fee. No valid COC was provided; Specific credit of $26 has been provided as cure at closing. | SELLER - GENERAL COMMENT (XX/XX/XXXX): APPEARS THIS EXCEPTION SHOULD BE A GRADE 2<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Compliant HPML, nothing required from lender. Investor to review for approval.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | FHPML - Compliant B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10927 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-124.00 exceeds tolerance of $-125.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) | Federal Compliance - TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing: Lender Credits was last disclosed as -$125.00 on LE but disclosed as -$XXXX on Final Closing Disclosure. File does not contain a valid COC for this fee. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10928 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (FinXX/XX/XXXX)<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. | Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Incomplete Closing Disclosure with a closing date of XX/XX/XXXX used in compliance testing. Issue date was left blank on Closing Disclosure. |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10929 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10930 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [2] Application / Processing - Missing Document: Approval not provided | E-sign Consent Agreement is missing.<br> Missing all title documentation. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $610.00 exceeds tolerance of $395.00. $215.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX.XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $610.00 exceeds tolerance of $395.00. $215.00 over legal limit. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10931 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | The appraisal transfer letter is missing from the file<br> Missing electronic consent. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10932 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10933 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10934 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [1] Federal Compliance - TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,575.00 exceeds tolerance of $-1,598.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) | Federal Compliance - Notice of Right to Cancel Missing: Notice of Right to Cancel is missing.<br> Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Initial escrow account statement is missing.<br> Federal Compliance - TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,575.00 exceeds tolerance of $-1,598.00. No valid COC. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10935 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Purchase | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Missing electronic consent. | SELLER - GENERAL COMMENT (XX/XX/XXXX): Loan is over 7 years seasoned past the statute of limitations<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Missing a disclosure that was completed within this transaction<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities.<br> [3] Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $73.35 exceeds tolerance of $55.00. Sufficient or excess cure was provided to the borrower at Closing. (7520)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $400.00 exceeds tolerance of $395.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Loan originator details not found in NMLS.<br> Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Loan originator details not found in NMLS.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client restated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10936 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Second Home | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10937 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization NMLS information on loan documents does not match NMLS.<br> [3] Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [3] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: Days before settlement not provided.: GFE Date: XX/XX/XXXX<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Federal Compliance - TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website: No match found on NMLS search.<br> Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: No match found on NMLS search.<br> Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Since the loan is not paying off a same lender mortgage, transaction is not considered a lender to lender refinance and H8 is required.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM.<br> Miscellaneous Compliance - (Doc Error) GFE Error: Days before settlement not provided.: Days before settlement rate must be locked is blank because Rate lock document is missing in file.<br> Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: Existence of escrow account disclosed on Final GFE does not match actual terms on Final HUD-1. |  | Federal Compliance - TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> Effective XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> Effective XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: There is generally no Assignee Liability. | Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10940 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met. | Lender requested an exception which was approved for less than two years employment history. | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX WAS A SMALL CREDIT LENDER AT THE TIME OF ORIGINATION - LOAN IS QM ELIGIBLE DUE TO THE STATUS OF THE LENDER BEING A SMALL CREDITOR<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Borrower employment history due to <2 years. Borrower has been employed for 1 year as an XXXX @ $XXX hourly. Per employer, 72 Hrs per pay period =$XXX annually =$XXX/mo. UW using YTD = $XXX/mo for qualifying. Employer LOX in file states borrower will be receiving raise to $???/hr with additional hrs and responsibilities asXX/XX/XXXX. Probability of continued emp is hiXX% gift down payment from grandmother. Credit score within guidelines, appears to be lower due to minimal credit usage, however all tradelines paid as agreed Zero lates; open tradelinesXXXXs) and one auth user accouXX% DTI 4560 / mo PITI payment is less than the average rent in XXXX. CRA low income borrower.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Waived per client request. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.<br> [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated no Non-QM<br> Federal Compliance - Loan does not meet one or more guideline components which could impact the borrower's ability to repay.: Lender requested an exception which was approved for less than two years employment history.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Lender requested an exception which was approved for less than two years employment history. | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX WAS A SMALL CREDIT LENDER AT THE TIME OF ORIGINATION - LOAN IS QM ELIGIBLE DUE TO THE STATUS OF THE LENDER BEING A SMALL CREDITOR<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Borrower employment history due to <2 years. Borrower has been employed for 1 year as an XXXX @ $XXX hourly. Per employer, 72 Hrs per pay period =$XXX annually =$XXX/mo. UW using YTD = $XXX/mo for qualifying. Employer LOX in file states borrower will be receiving raise to $???/hr with additional hrs and responsibilities asXX/XX/XXXX. Probability of continued emp is hiXX% gift down payment from grandmother. Credit score within guidelines, appears to be lower due to minimal credit usage, however all tradelines paid as agreed Zero lates; open tradelinesXXXXs) and one auth user accouXX% DTI 4560 / mo PITI payment is less than the average rent in XXXX. CRA low income borrower.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX WAS A SMALL CREDIT LENDER AT THE TIME OF ORIGINATION - LOAN IS QM ELIGIBLE DUE TO THE STATUS OF THE LENDER BEING A SMALL CREDITOR<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Borrower employment history due to <2 years. Borrower has been employed for 1 year as an XXXX @ $XXX hourly. Per employer, 72 Hrs per pay period =$XXX annually =$XXX/mo. UW using YTD = $XXX/mo for qualifying. Employer LOX in file states borrower will be receiving raise to $???/hr with additional hrs and responsibilities asXX/XX/XXXX. Probability of continued emp is hiXX% gift down payment from grandmother. Credit score within guidelines, appears to be lower due to minimal credit usage, however all tradelines paid as agreed Zero lates; open tradelinesXXXXs) and one auth user accouXX% DTI 4560 / mo PITI payment is less than the average rent in XXXX. CRA low income borrower.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded to EV2-B with comp factors. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10943 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10946 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] General - Loans with an application date after XX/XX/XXXX using a LIBOR Index are not Agency Salable.: Index: LIBOR - 1 Year (Daily); Note Date: XX/XX/XXXX |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:844XX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX note date is XX/XX/XXXX<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10947 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement not provided. | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO WAIVE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): XXXX TO review<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $55.00 plus 10% or $60.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10948 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 3 | 1 |  |  |  | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $55,498.08 is under disclosed by $964.67 compared to the calculated Finance Charge of $56,462.75 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $111,743.78 is under disclosed by $964.67 compared to the calculated total of payments of $112,708.45 which exceeds the $100.00 threshold. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. (75103) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $55,498.08 is under disclosed by $964.67 compared to the calculated Finance Charge of $56,462.75 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $111,743.78 is under disclosed by $964.67 compared to the calculated total of payments of $112,708.45 which exceeds the $100.00 threshold.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. |  | Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TRID SOL Expired A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10949 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10950 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10952 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Application / Processing - 1003 Error: citizenship Source Documentation was not provided: Borrower: XXXX<br> [2] General - Missing Document: Verification of Non-US citizen Status not provided | Verification of citizenship status not provided.<br> Per final 1003, borrower is Permanent Resident Alien however Permanent Resident Alien card was not provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10954 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - Investment Property Submitted as QM Test: Ability to pay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability to pay requirements under 1026.43 based on deal settings. | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - Investment Property Submitted as QM Test: Re-stated designation |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10956 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX014)<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal delivery receipt is not provided.<br> Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing: Final Good Faith Estimate is missing in the file.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List of Homeownership Counseling Organizations not provided to the borrower.<br> Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: Creditor did not provide Servicing Disclosure Statement. |  | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - A B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10957 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $575.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10958 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10959 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $165.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10802 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insurance coverage is insufficient by $XXXX based on $XXXX(80% of Estimated Cost New); there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $3,282.50 may be required.<br> [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $170.00 exceeds tolerance of $116.00 plus 10% or $127.60. $42.40 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Processing Fee. Fee Amount of $200.00 exceeds tolerance of $150.00. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. (77179)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $35.00 exceeds tolerance of $20.00. $15.00 over legal limit. Insufficient or no cure was provided to the borrower. (77173)<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/XX/XXXX)<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $170.00 exceeds tolerance of $116.00 plus 10% or $127.60. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: .<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten percent fees increased without a valid change in circumstance. A cure was not provided at closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title - Processing Fee Amount increased on XX/XX/XXXX without a valid change in circumstance. A cure was not provided at closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title - Courier / Express Mail / Messenger Fee increased on XX/XX/XXXX without a valid change in circumstance. A cure was not provided at closing.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: Missing evidence of receipt of the right to receive a copy of the appraisal disclosure and Loan Estimate.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt. | REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after XXXX, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10955 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] Income Documentation - Income documentation requirements not met.<br> [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Waterfall due to missing signed 1040s and 1120s for the most recent year (XXXX) for XXXX.<br> The hazard insurance coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXX. Provide a copy of insurer's replacement cost estimate supporting current coverage amount. | SELLER - GENERAL COMMENT (XX/XX/XXXX): XXXX P&L in file - XXXX tax extension not obtained<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per appendix Q testing requires 2 years business and personal tax returns signed and dated.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $65.00 plus 10% or $71.50. $28.50 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: Final Closing Disclosure provided on XX/XX/XXXX did not disclose a reason for not having an escrow account on page 4.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Recording Report Fee was disclosed on initial Loan Estimate as $65.00 but disclosed on final Closing Disclosure as $100.00. File does not contain a valid COC for this fee, nor is evidence of cure provided in the file.<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client redesignated to Small Creditor.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Client redesignated to Small Creditor. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation. | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | TRID SOL Expired B A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10514 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 2 | [2] Income Error - Income document is missing the document date and/or tax year.: Borrower: XXXX // Employment Type: Non-Employment Income / Income Type: Child Support / Start Date: // Document: Divorce Decree / Document Date: / Tax Year: | Divorce decree provided doesn't have a document date or a signature date. | REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 2 | [2] Appraisal Reconciliation - Appraisal is required to be in name of Lender: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal Transfer letter was not provided. |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure AIR Table Maximum Interest Rate: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Interest Rate that does not match the actual maximum interest rate for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. (ProjSeq:4/3187830)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. (ProjSeq:3/3187813)<br> [3] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. (ProjSeq:2/3187812)<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Federal Compliance - TRID Final Closing Disclosure AIR Table Maximum Interest Rate: The Final Closing Disclosure dated XX/XX/XXXX AIR table is missing.<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: Closing Disclosure issued XX/XX/XXXX page 1 - Loan Terms indicates a maximum principal and interest payment of $1,914.00; however, page 1 - Projected Payments shows a maximum principal and interest payment of $1,304.12 for payment stream one.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream four that does not match the actual maximum payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream three that does not match the actual maximum payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream two that does not match the actual maximum payment for the loan.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Restated to Non QM |  | Federal Compliance - TRID Final Closing Disclosure AIR Table Maximum Interest Rate: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX | $XXXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | Small Creditor Portfolio Originations Safe Harbor QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%.<br> Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender, No exception approval in file. Just the underwriter approval which I have provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): per lender, No exception approval in file. Just the underwriter approval which I have provided. XXXX TO review.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive.<br> SELLER - GENERAL COMMENT (XX/XX/XXXX): per lender, No exception approval in file. Just the underwriter approval which I have provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): per lender, No exception approval in file. Just the underwriter approval which I have provided. XXXX TO review.<br> REVIEWER - WAIVED COMMENT (XX/XX/XXXX): Client elects to downgrade and waive. | 1 |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3156526)<br> [3] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3156525)<br> [3] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3156524)<br> [3] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX)<br> [3] Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.<br> [3] Federal Compliance - TRID Post Close Closing Disclosure Timing Irregular Transactions: TILA-RESPA Integrated Disclosure – Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. Sufficient or excess cure was provided to the borrower at Closing. (7580) | Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: Lender used current taxes, however upon construction to permanent was used due to lack of evidence of current millage rate or updated tax estimate in file.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: Lender used current taxes, however upon construction to permanent was used due to lack of evidence of current millage rate or updated tax estimate in file.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: Lender used current taxes, however upon construction to permanent was used due to lack of evidence of current millage rate or updated tax estimate in file.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan<br> Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: Closing Disclosure pages 4 indicate no escrows, however page 1 indicates there will be an escrow account but lists all expense as non-escrowed.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: Final Closing Disclosure provided on XX/XX/XXXX did not disclose a reason for not having an escrow account on page 4.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: Closing Disclosure pages 4 indicate no escrows, however page 1 indicates there will be an escrow account but lists all expense as non-escrowed.<br> Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: Evidence of receipt of CD by borrower within three (3) business days prior to consummation not found in file<br> Federal Compliance - Check Restated Loan Designation Match - QM / ATR: AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%.<br> Federal Compliance - QM Small Creditor Portfolio Originations (status lost if transferred within 3 years): AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Tax Service Fee $81.00 was changed on closing disclosure. File does not contain a valid COC for this fee, nor evidence of cure. | REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation provided.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded due to attestation<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Regraded with attestation.<br> REVIEWER - CURED COMMENT (XX/XX/XXXX): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Post Close Closing Disclosure Timing Irregular Transactions: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TRID SOL Expired B A |

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## Exhibit 99.1

[CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G](cmlti-abs15g.htm)

**Exhibit 99.1 - Schedule 3(b)**

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| ![](situsamc-logo.jpg) |
| **Exception Grades** |

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| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Edgar ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Verification of the borrower's receipt of the appraisal was missing from the file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Timing | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. | Home Loan Toolkit not provided to borrower within three (3) business days of application. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,343.75 exceeds tolerance of $4,125.00. $1,218.75 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points. Was last disclosed as $4,125.00 on the Loan Estimate but was disclosed as $5,343.75 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $1,218.75, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,500.00 exceeds tolerance of $875.00. $625.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee was last disclosed as $875.00 on the Loan Estimate but was disclosed as $1,500.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $625.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table First Change Frequency Test | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan. (FinXX/XX/XXXX) | Adjustable-Interest Rate Table validated from Final Closing Disclosure provided on XX/XX/XXXX |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table validated from Final Closing Disclosure provided on XX/XX/XXXX |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Interest Only Payment Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Interest Only Payments Period. (FinXX/XX/XXXX) | Adjustable Payment Table validated from Final Closing Disclosure provided on XX/XX/XXXX disclosed |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table validated Final Closing Disclosure provided on XX/XX/XXXX |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Validated Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Loan Term | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Loan Term that does not match the actual loan term for the loan. (FinXX/XX/XXXX) | inal Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | inal Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3146177) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3146176) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of $XXXX is greater than Guideline maximum loan amount of $XXXX.00. | Note loan amount of $XXXX is greater than Guideline maximum loan amount of $XXXX.00. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Comp factors used to waive exception | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Seller Comment (XX/XX/XXXX): attached exception approval |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10000 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10001 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10001 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10001 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 61,609.02 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10001 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10001 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10001 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10001 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10001 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10001 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10001 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10001 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX |  |  |  |  | Reviewer Comment (XX/XX/XXXX): A final inspection/442 must be completed by an appraiser.<br>Seller Comment (XX/XX/XXXX): attached final inspection |  |  |  | 3 C | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10001 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10001 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | The lender listed on the appraisal is XXXX rather than actual lender XXXX and no appraisal transfer letter was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10001 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10001 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10001 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10001 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10001 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10001 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10001 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10002 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock document was missing from the file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10002 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10002 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether property taxes are included in escrow. (FinXX/XX/XXXX) | Only flood insurance is included in escrow on the final Closing Disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10002 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10002 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10002 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10002 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10002 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10002 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of $XXXX is greater than Guideline maximum loan amount of $2,000,000.00. | Per approval, the loan amount is $XXXX, which exceeded the guideline. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: XX% <br> Guideline Maximum DTI: XX% | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Lender Exception with Compensating Factors provided. Downgraded and Waived.<br>Seller Comment (XX/XX/XXXX): COMPENSATING FACTORS - EXCELLENT OVERALL CREDIT WITH ONLY 1 DELQ THAT WAS SEASONED CLOSE TO 5 YEARS AT TIME OF ORIGINATION. CLEAN MORTGAGE PAY HISTORY WITH OVER 100 MONTHS REVIEWED. LARGE DOWN PAYMENT WITH LOW 45% LTV AND GOOD RESERVES AFTER CLOSING - $2MM.<br>Reviewer Comment (XX/XX/XXXX): Guidelines allow maximum loan amount of $2,000,000.00. Please provide compensating factors to downgrade and waive<br>Seller Comment (XX/XX/XXXX): per lender - The DD form was used to sign off on the Loan Amount. All members of Consumer Loan Committee had to sign off on this loan due to the loan amount. Resending to address.<br>Reviewer Comment (XX/XX/XXXX): This document lists underwriting signing authority per loan amount sizes, it is not addressing the breach to guidelines or listing the compensating factors to do so.<br>Seller Comment (XX/XX/XXXX): attached approved exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10002 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10003 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10003 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10003 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10003 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10003 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10003 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10003 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,150.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Appraisal Fee was last disclosed as $1000.00 on LE but disclosed as $1500.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10003 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10004 | XXXX | XXXX | XXXX | Credit | Data Verification | General | Data Verification | The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio. | Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | Lender DTI: XX% is higher than calculated DTI: XX%. The discrepancy is due AMR loan and 18 months I/O. |  |  |  | Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10004 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10004 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Loan is a ARM interest only loan and the final CD AP table does not specify the first change/Amount value and subsequent changes value due to which multiple exceptions are getting triggered. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10004 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10004 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment of $XXXX which do not match with the P&I of $XXXX as it's inclusive of interest for first 12 months. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10004 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10004 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129679) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment of $XXXX which do not match with the P&I of $XXXX as it's inclusive of interest for first 12 months. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10004 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10004 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 44,671.00 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | The final CD disclosed the Amount of Escrowed Property Costs over Year 1 as $44,671.00 on page 4th which is for 11 months only instead of 12 months.<br> (Actual monthly property tax $XXXX and Insurance $XXX = $XXXX) |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10004 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10004 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $300.00 exceeds tolerance of $0.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower. (75174) | Insufficient cure amount provided on final CD, file does not contain a valid COC for this fee. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10004 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10004 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10004 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10004 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Product Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10004 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10004 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Post Close Closing Disclosure Timing Irregular Transactions | TILA-RESPA Integrated Disclosure – Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10004 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10004 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Insurance doc shows effective date XX/XX/XXXX, however Note date is XX/XX/XXXX.<br>Seller Comment (XX/XX/XXXX): attached hoi |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10004 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10004 | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Note date is 1XX/XX/XXXX and effective HOI date is 1XX/XX/XXXX. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10004 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10005 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $15,750.00 exceeds tolerance of $0.00. $15,750.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan discount point Fee increased on XX/XX/XXXX Final Closing Disclosure with no valid changed evident |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10005 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10006 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10006 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10006 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10006 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10006 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10006 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10006 | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal completed 'subject to completion', no 442 or other evidence provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): The appraisal is over the expiration date.<br>Seller Comment (XX/XX/XXXX): lender granted exception to use the appraisals over 120 days but cannot locate the exception approval document. Subject home was not subject to completion. The appraisals were just over 120 days |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10006 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10006 | XXXX | XXXX | XXXX | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | Borrower: XXXX // Employment Type: Employment / Income Type: S-Corp (>= 25%) / Start Date: XX/XX/XXXX // Document: Third Party Verification / Document Date: / Tax Year: | Missing personal and business sign and dated tax returns for XXXX and XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Per seller - lender cannot provide the signed business returns...just the unsigned version<br>Seller Comment (XX/XX/XXXX): lender cannot provide the signed business returns...just the unsigned version<br>Reviewer Comment (XX/XX/XXXX): Personal Tax Returns provided along with personal Tax Transcripts. Loan file is still missing signed and dated business Tax Returns or Business Tax Transcripts for XXXX and XXXX. Exception remains.<br>Seller Comment (XX/XX/XXXX): ATTACHED PERSONAL RETURNS<br>Seller Comment (XX/XX/XXXX): ATTACHED PERSONAL TRANSCRIPTS THAT COVER SIGNATURE REQUIREMENT ON PERSONAL RETURNS. WILL REQUEST SIGNED BUSINESS RETURNS |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10006 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10006 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of $XXXX is greater than Guideline maximum loan amount of $XXXX. | Approved loan amount is $XXXX; however, per guideline, the maximum loan amount is $XXXX. Lender exception for a higher loan limit was not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Please provide date of lender exception approval with compensating factors for review.<br>Seller Comment (XX/XX/XXXX): ATTACHED APPROVAL FOR LOAN AMOUNT |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10006 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10006 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to declining income. P&L statements show declining income for the last 2 years. Missing personal and business sign and dated tax returns for XXXX and XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): LOE for declining income and Personal Tax Returns provided along with personal Tax Transcripts. Loan file is still missing signed and dated business Tax Returns or Business Tax Transcripts for XXXX and XXXX. Exception remains.<br>Seller Comment (XX/XX/XXXX): ATTACHED COVID ATTESTATION WHICH STATES COVID CAUSED NUMBERS TO DECREASE IN XXXX. LENDER WAS CONSERVATIVE AND USED LOWER XXXX INCOME TO QUALIFY. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10006 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10008 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 84,945.96 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | The monthly estimate Hazard Insurance is $400.00 and the monthly taxes of $7,322.36 for a total of $7,722.36 and for a full year it would be $92,668.32. The Closing Disclosure issued on 1XX/XX/XXXXXX reflects a total of $84,945.96. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10008 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10008 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Product Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | APR decreased on XX/XX/XXXXlosing Disclosure and closing was XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10008 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10008 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10008 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10008 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10008 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10009 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Closing Disclosure terms include interest-only that is not on the Note. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10009 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10009 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 53,513.13 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Amount of Estimated Property Costs over Year 1 of $53,513.13 on Final Closing Disclosure provided on XX/XX/XXXX are over-disclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10009 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10009 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $795.00. $5.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Fee increased on Loan Estimate issued XX/XX/XXXX, No valid COC was provided for this change, nor evidence of cure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10009 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10009 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing appraisal delivery. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10009 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10009 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10009 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10009 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10009 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10009 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10009 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10009 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10009 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10009 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX. | Short funds to close and reserves.File is missing two months bank statements for savings bank account with closing balance of $XXXX, checking bank account with closing balance of $XXXX, retirement account with ending balance of $XXXX, and stock account with ending balance of $XXXX, which was used to qualify per 1003. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Received updated 1003, received statements for mutual funds, received statements for retirement account however the first month showed a 0 balance and the second month showed a new deposit, did not see the source provided.<br>Seller Comment (XX/XX/XXXX): assets uploaded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10009 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10010 | XXXX | XXXX | XXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Lender exception for appraisal waiver. Per guidelines when Loan amount exceeds 1 million and CLTV/HCLTV/TLTV exceeds 50%, two appraisals are required. Primary and secondary appraisals are missing from loan file. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Client accepts to waive and downgrade with comp. factors.Rep Fico score exceeds the guideline minimum<br>Seller Comment (XX/XX/XXXX): Complete. Management waived the appraisal requirement as the new loan was a rate and term and XXXprovided the original financing. Email and conversation log documenting exception. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10010 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10010 | XXXX | XXXX | XXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Lender exception for appraisal waiver. Per guidelines when Loan amount exceeds 1 million and CLTV/HCLTV/TLTV exceeds 50%, two appraisals are required. Primary and secondary appraisals are missing from loan file. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Client accepts to waive and downgrade with comp. factors.Rep Fico score exceeds the guideline minimum. Appraisal requirement waived<br>Seller Comment (XX/XX/XXXX): Complete. Management waived the appraisal requirement as the new loan was a rate and term and XXXprovided the original financing. Email and conversation log documenting exception. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10010 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10010 | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Combined High loan to value discrepancy. | Calculated high loan to value percentage of XX% exceeds Guideline high loan to value percentage of XX% | The Guides state for a value between $1.5M-$3M on a Primary is a 70% maximum LTV/CLTV. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Client accepts to waive and downgrade with comp. factors.Rep Fico score exceeds the guideline minimum. Appraisal requirement waived<br>Seller Comment (XX/XX/XXXX): attached exception approval |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10010 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10010 | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | The Guides state for a value between $1.5M-$3M on a Primary is a 70% maximum LTV/CLTV. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Client accepts to waive and downgrade with comp. factors.Rep Fico score exceeds the guideline minimum. Appraisal requirement waived<br>Seller Comment (XX/XX/XXXX): uploaded exception approval |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10010 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10010 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XX% exceeds Guideline combined loan to value percentage of XX%. | The Guides state for a value between $1.5M-$3M on a Primary is a 70% maximum LTV/CLTV. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Client accepts to waive and downgrade with comp. factors.Rep Fico score exceeds the guideline minimum. Appraisal requirement waived<br>Seller Comment (XX/XX/XXXX): uploaded exception approval |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10010 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10010 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The Guides state for a value between $1.5M-$3M on a Primary is a 70% maximum LTV/CLTV. Per guidelines when Loan amount exceeds 1 million and CLTV/HCLTV/TLTV exceeds 50%, two appraisals are required. Primary and secondary appraisals are missing from loan file. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Client accepts to waive and downgrade with comp. factors.Rep Fico score exceeds the guideline minimum. Appraisal requirement waived<br>Seller Comment (XX/XX/XXXX): Complete. Management waived the appraisal requirement as the new loan was a rate and term and XXXprovided the original financing. Email and conversation log documenting exception. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10010 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10011 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product. (FinXX/XX/XXXX) | Loan is a ARM interest only loan and the final CD AP table does not specify the first change/Amount value and subsequent changes value due to which multiple exceptions are getting triggered. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10011 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10011 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Loan is a ARM interest only loan and the final CD AP table does not specify the first change/Amount value and subsequent changes value due to which multiple exceptions are getting triggered. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10011 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10011 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10011 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10011 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 54,544.93 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 54,544.93 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10011 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10011 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXX) | Missing evidence of XX/XX/XXXX Loan Estimate receipt, using mailbox method results in late delivery. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10011 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10011 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10011 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10011 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10011 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10011 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10011 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10011 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  | Borrower has verified disposable income of at least $XXXX. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide HOI showing premium amount.<br>Seller Comment (XX/XX/XXXX): attached hoi builders risk - construction loan |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10011 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10011 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of $XXXX is greater than Guideline maximum loan amount of $XXXX. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Over $XXXX reserves.<br>Excellent Credit | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Lender exception provided. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10011 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10012 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Receipt of the right to receive a copy of the appraisal disclosure or Loan Estimate not within 3 days of application. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10012 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10012 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Loan is an ARM interest-only loan, and the final Closing Disclosure AP table does not specify the first change/amount value and subsequent changes value, due to which multiple exceptions are getting triggered. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10012 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10012 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Loan is an ARM interest-only loan, and the final Closing Disclosure AP table does not specify the first change/amount value and subsequent changes value, due to which multiple exceptions are getting triggered. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10012 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10012 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 76,065.77 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10012 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10012 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Application date is XX/XX/XXXX; earliest Loan Estimate in file is XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10012 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10012 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10012 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10012 | XXXX | XXXX | XXXX | Credit | Data Verification | General | Data Verification | The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio. | Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | DTI difference due to QM qualifying ratio. |  |  |  | Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10012 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10012 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10012 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10012 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10012 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10012 | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10012 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10012 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10012 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10013 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,500.00 exceeds tolerance of $1,400.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10013 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10013 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $XXXX. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator Pre-Close,SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waived. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10013 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10013 | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Combined High loan to value discrepancy. | Calculated high loan to value percentage of XX% exceeds Guideline high loan to value percentage of XX% | Per guideline, property value between $1,500,000 to $3,000,000 maximum LTV is 70%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived with compensating factors per lender exception approval at origination.<br>Seller Comment (XX/XX/XXXX): attached ltv exception approval |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10013 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10013 | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Per guideline, property value between $1,500,000 to $3,000,000 maximum CLTV is 70%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived with compensating factors per lender exception approval at origination.<br>Seller Comment (XX/XX/XXXX): attached ltv exception approval |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10013 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10013 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XX% exceeds Guideline combined loan to value percentage of XX%. | Per guideline, property value between $1,500,000 to $3,000,000 maximum HCLTV is 70%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived with compensating factors per lender exception approval at origination.<br>Seller Comment (XX/XX/XXXX): attached ltv exception approval |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10013 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10014 | XXXX | XXXX | XXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10014 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10014 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 36,374.47 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10014 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10014 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) | Only report in file dated XX/XX/XXXX, appraisal notice dated 4/28/22. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10014 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10014 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10014 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10014 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10014 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10015 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date XX/XX/XXXX, Note Date XX/XX/XXXX |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10015 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10015 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10015 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10015 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Evidence of earlier borrower receipt of the List of Homeownership Counseling was missing from the file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10015 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10015 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | Evidence of earlier borrower receipt of the List of Homeownership Counseling was missing from the file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10015 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10015 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10015 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10015 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Missing evidence of initial loan application date. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10015 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10015 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10015 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10015 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 31,889.33 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10015 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10015 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Loan is an ARM, interest-only, and the final Closing Disclosure AP table does not specify the first change/amount value and subsequent changes value, due to which multiple exceptions are getting triggered. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10015 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10015 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The file only contained the final Closing Disclosure. Please provide the initial and any subsequent Closing Disclosures (if applicable) issued to the borrower for review. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10015 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10015 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Final Closing Disclosure provided did not disclose a reason for not having an escrow account on page 4. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10015 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10015 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10015 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10015 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10015 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10015 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10015 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10015 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing a copy of 2 years of signed and dated tax returns and third-party verification of income. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Waterfall due to missing signed, dated individual tax returns, with all applicable tax schedules for the most recent two years.<br>Seller Comment (XX/XX/XXXX): income docs uploaded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10015 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10016 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Product Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10016 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10017 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing Evidence XX/XX/XXXX appraisal receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10017 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10017 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10017 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10017 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10017 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10017 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10017 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10017 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10017 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10017 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Subordination Fee. Fee Amount of $XXX.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7559) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10017 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10017 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Forms 1120-S for the years XXXX and XXXX are not signed and dated. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Business returns XXXX, signed/dated. XXXX, signed but not dated. XXXX, not signed/dated. Per seller - Providing an acknowledged XXXX 1120S. The document was sent to closing and it appears that there is some kind of signature / initial but no date. This is all that is in the file.<br>Seller Comment (XX/XX/XXXX): Providing an acknowledged XXXX 1120S. The document was sent to closing and it appears that there is some kind of signature / initial but no date. This is all that is in the file.<br>Seller Comment (XX/XX/XXXX): Attached signed XXXX & XXXX pages for XXXX - XXXX should not be needed.<br>Reviewer Comment (XX/XX/XXXX): Did not receive signatures forXXXX XXXX or XXXX.<br>Seller Comment (XX/XX/XXXX): ATTACHED SIGNATURE PAGES FOR XXXX AND THE OTHER 1120S JUST IN CASE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10017 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10018 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10018 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10018 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM disclosure not provided within three days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10018 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10018 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10018 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10018 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $3,400.00 exceeds tolerance of $1,500.00. $1,900.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee was last disclosed as $1,500.00 on Loan Estimate but disclosed as $3,400.00 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $1,900.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10018 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10018 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $252.00 exceeds tolerance of $225.00 plus 10% or $247.50. $4.50 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $252.00 exceeds tolerance of $225.00 plus 10%, or $247.50. $4.50 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10018 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10018 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX reflects a monthly escrow payment that does not match the actual escrow payment for the loan due to the Taxes & Insurance payment being added. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10018 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10018 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129716) | Final Closing Disclosure provided on XX/XX/XXXX reflects a monthly escrow payment that does not match the actual escrow payment for the loan due to the Taxes & Insurance payment being added. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10018 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10018 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 18,107.32 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX reflects a monthly escrow payment that does not match the actual escrow payment for the loan due to the Taxes & Insurance payment being added. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10018 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10018 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10018 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10018 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10018 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10019 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10019 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10019 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10019 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10020 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | No evidence that borrower received a copy of appraisal dated 7/30 3 business days to closing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10020 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10020 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10020 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10020 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 45,945.13 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Amount of Estimated Property Costs over Year 1 of 45,945.13 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10020 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10020 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10020 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10020 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10020 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10020 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10020 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10020 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10020 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10020 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by XXXX Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10020 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10020 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of XXXX is greater than Guideline maximum loan amount of $XXXX. | Guideline maximum allowable loan amount is $1,500,000. The subject loan amount is XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): The documentation provided does not address the loan amount exceeding $1,500,000. The guidelines indicate any loan amount greater than $1,500,000 required CLC Approval. Exception remains.<br>Seller Comment (XX/XX/XXXX): provided loan approval. No management approval based on loan amount just approval from the underwriter. If current home had 30% equity in it, the debt could be excluded. Provided AVM which shows value of XXXX and last mortgage statement which shows a balance of XXXX which is less than 70% LTV. reo docs uploaded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10020 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10023 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10023 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10023 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | The loan file is missing a copy of the ARM disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10023 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10023 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10023 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10023 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10023 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10023 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Electronic consent for borrower is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10023 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10024 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 36,631.21 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Property Costs over Year 1 of 36,631.21 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10024 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10024 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Proof of Appraisal delivery report is not available in file for Appraisal Report date XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10024 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10024 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10024 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10024 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10024 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10024 | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | Purchase contract date not provided. |  | Purchase Contract agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Purchase Contract or Sales Contract Agreement is not available in file. Exception Remains.<br>Seller Comment (XX/XX/XXXX): attached plans and specs and sworn statement |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10024 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10027 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing receipt of final report dated XX/XX/XXXX. Receipt of an earlier report was provided. |  |  |  | Reviewer Comment (XX/XX/XXXX): . |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10027 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10027 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Exception detail was updated on XX/XX/XXXX. Prior exception detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): restated |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10027 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10027 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): LOAN SEASONED OVER 3 YEARS. XXXXTO WAIVE/REVIEW |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10027 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10027 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10027 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10027 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Missing mortgage statement for retained departure residence confirming taxes and insurance are escrowed for: XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Unable to verify closing disclosure for non-subject property<br>Seller Comment (XX/XX/XXXX): From lender, That was the best copy I had but reuploaded. In addition I am providing the underwriter rationale and Credit report. Because the CD was a preliminary CD and not the final, the underwriter used the payment from the credit report which I have also provided. The payment on the credit report was higher so this was considered a conservative approach.<br>Reviewer Comment (XX/XX/XXXX): Exception remains. As stated prior unable to verify closing disclosure for non-subject property<br>Seller Comment (XX/XX/XXXX): I see that it is a little blurry but i can make out the address as XXXXand clearly see th loan amount as well as the payment for this property.<br>Reviewer Comment (XX/XX/XXXX): Closing disclosure provided is not legible.<br>Seller Comment (XX/XX/XXXX): attached mtg statement<br>Reviewer Comment (XX/XX/XXXX): Please provide mortgage statement from time of closing.<br>Seller Comment (XX/XX/XXXX): THIS HOME IS NOW SOLD - SEE ATTACHED PRINT OUT FROM REALTOR. BORROWER SOLD IT SHORTLY AFTER CLOSING AND NO LONGER OBLIGATED TO DEBT. SHOULD BE INMATERIAL NOW TO NOT HAVE THE MTG STATEMENT SINCE THIS MORTGAGE WAS PAID OFF |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10027 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10027 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Missing mortgage statement for retained departure residence confirming taxes and insurance are escrowed for: XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): unable to verify closing disclosure for non-subject property<br>Seller Comment (XX/XX/XXXX): From lender, That was the best copy I had but reuploaded. In addition I am providing the underwriter rationale and Credit report. Because the CD was a preliminary CD and not the final, the underwriter used the payment from the credit report which I have also provided. The payment on the credit report was higher so this was considered a conservative approach.<br>Reviewer Comment (XX/XX/XXXX): Closing disclosure provided is not legible.<br>Seller Comment (XX/XX/XXXX): Uploaded a zoomed in version and added highlights. I see that it is a little blurry but i can make out the address as XXXXand clearly see th loan amount as well as the payment for this property.<br>Reviewer Comment (XX/XX/XXXX): Closing disclosure provided is not legible.<br>Seller Comment (XX/XX/XXXX): mtg statement uploaded<br>Reviewer Comment (XX/XX/XXXX): Please provide mortgage statement from time of closing.<br>Seller Comment (XX/XX/XXXX): THIS HOME IS NOW SOLD - SEE ATTACHED PRINT OUT FROM REALTOR. BORROWER SOLD IT SHORTLY AFTER CLOSING AND NO LONGER OBLIGATED TO DEBT. SHOULD BE INMATERIAL NOW TO NOT HAVE THE MTG STATEMENT SINCE THIS MORTGAGE WAS PAID OFF |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10027 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10029 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10029 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10029 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $500.00 exceeds tolerance of $0.00. $500.00 over legal limit. Insufficient or no cure was provided to the borrower. (77183) | Fee increase from LE dated 0XX/XX/XXXXXX to CD dated XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10029 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10029 | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: COVID-19 Attestation not provided |  |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10029 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10030 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $19,079.55 exceeds tolerance of $18,608.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | 0% tolerance was exceeded by $471.55 due to Transfer Tax Fee. No valid COC provided, Specific credit of $721.80 has been provided as cure at closing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10030 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10032 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal Report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10032 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10032 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10032 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10032 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10032 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10032 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10032 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10033 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10033 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10033 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Loan term is 31 years, Note document shows 360 months which do not include 12 months of Interest only period due to Construction Permanent. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10033 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10033 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Loan term is 31 years, Note document shows 360 months which do not include 12 months of Interest only period due to Construction Permanent. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10033 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10033 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | The application date is XX/XX/XXXX and the disclosure was provided XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10033 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10033 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 30,816.06 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Final Closing disclosure page 1 lists escrows as $2,617.79 + $183.67 total $2,801.46, however page 4 total states $30,816.06 annually which comes monthly as $2,568.00. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10033 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10033 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10033 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10033 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10033 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10033 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $XXXX, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10033 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10036 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10036 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10036 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $925.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10036 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10038 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,025.00 exceeds tolerance of $XXXX plus 10% or $2,860.00. $165.00 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Title-Settlement Fee of $150.00 on Loan Estimate and was increased on Closing Disclosure issuedXX/XX/XXXX $575.00, with no valid change evidence. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10038 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10039 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10039 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10039 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10039 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10039 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10039 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10041 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10041 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10041 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10041 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10041 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10041 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10041 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Homeownership Counseling List is missing in the file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10041 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10041 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10041 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10041 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10041 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10041 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10041 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10041 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing two years of business tax transcripts as required by guideline.<br> • For XXXX., provide two years of Form 1120-S and K-1s for the years XXXX and XXXX.<br> • For XXXX and XXXX, provide two years of Form 1065 and K-1s for the years XXXX and XXXX.<br> • For XXXX and XXXX, provide the required business tax documents for the year XXXX.<br> • For XXXX provide two years of business tax transcripts (Schedule C) for the years XXXX and XXXX.<br> PropertyXXXX Verification of expenses not provided. Provide Tax verification and Insurance verification. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Assigned to buyer. Seller only obtained third party verification of business for 1 of 5 income streams at origination.<br>Seller Comment (XX/XX/XXXX): the only verification obtained at origination was for XXXX.<br>Reviewer Comment (XX/XX/XXXX): Third party verification of business existence is missing for XXXX, XXXX, XXXX, and XXXX.<br>Seller Comment (XX/XX/XXXX): INCOME DOCS LOADED |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10041 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10042 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX was received XX/XX/XXXX with a Note date of XX/XX/XXXX, missing evidence of waiver. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10042 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10042 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX was received XX/XX/XXXX with a Note date of XX/XX/XXXX, missing evidence of waiver. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10042 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10042 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $561,782.84 is under disclosed by $14,118.41 compared to the calculated Finance Charge of $575,901.25 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $561,782.84 is under-disclosed by $705.65 compared to the calculated Finance Charge of $562,488.49, which exceeds the $35.00 threshold. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10042 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10042 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect product disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10042 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10042 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129688) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10042 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10042 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10042 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10042 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 30,305.66 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10042 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10042 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,696,430.79 is under disclosed by $14,493.41 compared to the calculated total of payments of $1,710,924.20 which exceeds the $100.00 threshold. (FinXX/XX/XXXX) | The disclosed Total of Payments in the amount of $1,696,430.79 is under-disclosed by $14,493.41 compared to the calculated total of payments of $1,710,924.20, which exceeds the $100.00 threshold. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10042 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10042 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment.<br>Seller Comment (XX/XX/XXXX): XXXXTO WAIVE<br>Reviewer Comment (XX/XX/XXXX): Both LE and initial CD electronically signed, exception remains.<br>Seller Comment (XX/XX/XXXX): Loan is past the statute of limitations. This wouldn't be applicable now as all timing requirements are past SOL and closing docs were physically signed. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10042 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10045 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,118,532.36 is over disclosed by $340.00 compared to the calculated Amount Financed of $1,118,192.36 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Finance Charge disclosed is $1,086,639.04. Calculated finance charge is $1,086,979.04. Variance of -$340.00 is due to addition of compliance XXXXt fee. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10045 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10045 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,086,639.04 is under disclosed by $340.00 compared to the calculated Finance Charge of $1,086,979.04 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Amount Financed disclosed is $1,118,532.36. Calculated Amount Financed of $1,118,192.36. Variance of $340.00. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10045 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10047 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX023) | Appraisal reports dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10047 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10047 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,500.00 exceeds tolerance of $830.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10047 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10047 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,500.00 exceeds tolerance of $830.00. Sufficient or excess cure was provided to the borrower at Closing. (7507) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10047 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10047 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $127.90 exceeds tolerance of $67.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10047 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10048 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10048 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10049 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock agreement is missing in the file. Lock date is not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10049 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10049 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10049 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10049 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10049 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10049 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $185.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7552) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10049 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10050 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | This is a 18-month interest only product, P & I subsequent changes first payment change date are not matching |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10050 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10050 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | This is a 18-month interest only product, P & I subsequent changes first payment change date are not matching |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10050 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10050 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (FinXX/XX/XXXX) | This is a 18-month interest only product, P & I subsequent changes first payment change date are not matching |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10050 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10050 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | This is a 18-month interest only product, P & I subsequent changes first payment change date are not matching |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10050 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10050 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3146386) | This is a 18-month interest only product, P & I subsequent changes first payment change date are not matching |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10050 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10050 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3146387) | This is a 18-month interest only product, P & I subsequent changes first payment change date are not matching |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10050 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10050 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3146388) | This is a 18-month interest only product, P & I subsequent changes first payment change date are not matching |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10050 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10050 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3146385) | This is a 18-month interest only product, P & I subsequent changes first payment change date are not matching |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10050 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10050 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 25,141.71 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | This is a 18-month interest only product, P & I subsequent changes first payment change date are not matching |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10050 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10050 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Policy provided does not reflect Level One as as the certificate holder as required by guidelines.<br>Seller Comment (XX/XX/XXXX): XXXX loan - attached XXXX risk |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10050 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10051 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing receipt of final report dated XX/XX/XXXX. Receipt of earlier report was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10051 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10051 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. | The loan originator's start date with the lender was after the application date. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10051 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10051 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:842XX/XX/XXXX) | Missing evidence of XX/XX/XXXX appraisal receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10051 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10051 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10051 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10051 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10051 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10054 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Appraisal Fee was last disclosed as $600.00 on the Loan Estimate but disclosed as $1,200.00 on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10054 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10056 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10056 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10056 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10056 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10056 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10056 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10056 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXXX. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10056 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10058 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10058 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10058 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10058 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10058 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10058 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10058 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Statement is missing to verify the PITI payment for REO XXXX,<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10058 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10058 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10058 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10058 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Statement is missing to verify the PITI payment for REO XXXX.<br>Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10058 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10059 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $900.00 exceeds tolerance of $600.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10059 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10059 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. $4.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10059 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10059 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10059 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10060 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10060 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10060 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10060 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10060 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10060 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10062 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10062 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10062 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect product disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10062 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10062 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 16,875.87 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10062 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10062 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3130260) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10062 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10062 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a subsequent changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10062 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10062 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Construction-Permanent | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10062 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10063 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Copy of Appraisal not Provided 3 Business days Prior to consummation. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10063 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10063 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10063 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10063 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10063 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10065 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | This is a construction loan with 12 months Interest only payments based on draws taken for construction phases. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes | CMLTI 2026-1-10065 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10065 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | This is a construction loan with 12 months Interest only payments based on draws taken for construction phases. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes | CMLTI 2026-1-10065 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10065 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | This is a construction loan with 12 months Interest only payments based on draws taken for construction phases. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes | CMLTI 2026-1-10065 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10065 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | This is a construction loan with 12 months Interest only payments based on draws taken for construction phases. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes | CMLTI 2026-1-10065 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10065 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3130309) | This is a construction loan with 12 months Interest only payments based on draws taken for construction phases. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes | CMLTI 2026-1-10065 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10065 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 16,463.26 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | This is a construction loan with 12 months Interest only payments based on draws taken for construction phases. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes | CMLTI 2026-1-10065 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10065 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,144.00 exceeds tolerance of $1,862.00 plus 10% or $2,048.20. $95.80 over legal limit. Insufficient or no cure was provided to the borrower. (0) | The Loan Estimate reflects a total of $1,862.00 in 10% Tolerance fees. The final signed and dated Closing Disclosure reflects a total of 10% Tolerance fees in the amount of $2,144.00 increases in the closing fee, title insurance and title search fees. There is no evidence of a changed circumstance and the Cure of $850.00 was not sufficient for all tolerance violations. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes | CMLTI 2026-1-10065 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10065 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,500.00 exceeds tolerance of $650.00. $850.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | An additional appraisal fee was added on the 06.18.21 Closing Disclosure. A Tolerance Cure of $850.00 was provided on the Closing Disclosure. However, the cure provided did not cover the 10% Tolerance fee increase. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes | CMLTI 2026-1-10065 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10067 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10067 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10067 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10067 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10067 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10067 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10068 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10068 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10068 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10068 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10068 | XXXX | XXXX | XXXX | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | Borrower: XXXX // Employment Type: Employment / Income Type: Partnership (>= 25%) / Start Date: XX/XX/XXXX // Document: Third Party Verification / Document Date: / Tax Year: , Borrower: XXXX // Employment Type: Employment / Income Type: Partnership (>= 25%) / Start Date: XX/XX/XXXX // Document: Third Party Verification / Document Date: / Tax Year: | Business entity listing for both the employment online is missing online searched date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Document provide does not have a date listed, exception remains.<br>Seller Comment (XX/XX/XXXX): Providing LARA search for both companies that were performed at origination. This is the 3rd party verification of employment.<br>Reviewer Comment (XX/XX/XXXX): Missing dates for third party verification are for business XXXX and XXXX <br>Seller Comment (XX/XX/XXXX): Attached vvoe and highlighted dates |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10068 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10068 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Per the application, mortgage to XXXX showing monthly payment of $XXXX . Missing statement to verify this payment for XXXX .<br> Business entity listing for both the employment online is missing online searched date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Document provide does not have a date listed, exception remains.<br>Seller Comment (XX/XX/XXXX): Providing LARA search for both companies that were performed at origination. This is the 3rd party verification of employment.<br>Reviewer Comment (XX/XX/XXXX): Missing dates for third party verification are for business XXXX and XXXX <br>Seller Comment (XX/XX/XXXX): ATTACHED MTG STATEMENT, HOI, TAXES AND HOA FEES ASSOCIATED WITH THE XXXX REO |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10068 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10069 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10069 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10069 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Missing evidence of receipt of the right to receive a copy of the appraisal disclosure and Loan Estimate. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | Good faith redisclosure C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10069 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10069 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10069 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10069 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10069 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10069 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Missing 1003 application. No evidence of initial loan application date. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10069 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10069 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10069 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10069 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure missing in loan file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | No Defined Cure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10069 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10069 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $14,084.90 may be required. | Loan Estimate not provided within loan images to evidence delivery to the Borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | No Defined Cure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10069 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10069 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10069 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10069 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraiser's license effective and issue date XX/XX/XXXX post appraisal report date. |  |  |  |  |  |  |  | 3 C | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10069 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10069 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $XXXX is greater than Guideline total cash-out of $XXXX.00. | The guideline maximum allowable cash out is $XXXX.00. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10069 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10069 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The guideline maximum allowable cash out is $XXXX.00. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10069 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10070 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Receipt dated XX/XX/XXXX; however, appraisal report dated XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10070 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10070 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10070 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10070 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10070 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10071 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier receipt not provided in the loan file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10071 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10071 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10071 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10071 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10071 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10072 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX) | Adjustable-Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10072 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10072 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10072 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10072 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10072 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10072 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3130029) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10072 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10072 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,825.00 exceeds tolerance of $1,725.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. (7334) | Fee increased on XX/XX/XXXX Loan Estimate and again on XX/XX/XXXX Closing Disclosure with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10072 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10072 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $0.00. $800.00 over legal limit. Insufficient or no cure was provided to the borrower. (7507) | Fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10072 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10072 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXX.00 exceeds tolerance of $0.00. $XXX.00 over legal limit. Insufficient or no cure was provided to the borrower. (75174) | Fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10072 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10072 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10072 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10072 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 23,457.17 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10072 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10072 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10072 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10072 | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Combined High loan to value discrepancy. | Calculated high loan to value percentage of XX% exceeds Guideline high loan to value percentage of XX% | Final approval indicates 85%, lender's exception waiver was provided. Compensating factors high income, DTI, credit score and assets. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Guidelines Representative FICO: XXX<br> Representative FICO: XXX<br>Borrower has verified disposable income of at least $XXXX. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10072 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10072 | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Final approval indicates 85%, lender's exception waiver was provided. Compensating factors high income, DTI, credit score and assets. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Guidelines Representative FICO: XXX<br> Representative FICO: XXX<br>Borrower has verified disposable income of at least $XXXX. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10072 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10072 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XX% exceeds Guideline combined loan to value percentage of XX%. | Final approval indicates 85%, lender's exception waiver was provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Guidelines Representative FICO: XXX<br> Representative FICO: XXX<br>Borrower has verified disposable income of at least $XXXX. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10072 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10072 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Final approval indicates 85%, lender's exception waiver was provided. Compensating factors high income, DTI, credit score and assets. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $XXXX. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX<br>Borrower has verified disposable income of at least $XXXX. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10072 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10074 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10074 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10074 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXX) | Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four business days prior to closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10074 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10074 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. per seller - LOAN OVER 3 YEARS SEASONED. XXXXTO REVIEW/WAIVE<br>Seller Comment (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED. XXXXTO REVIEW/WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10074 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10075 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Re-stated to Non-QM |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10075 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10075 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Re-stated to Non-QM |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10075 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10075 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Restated to Non QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10075 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10075 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Missing Mortgage Statement with no further clarification of which expense or expenses are escrowed. Tax and insurance were not provided to verify the escrowed amount was sufficient for both expenses. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Please provide Mortgage statement for property XXXX , hence this property expenses are used in DTI, Exception remains.<br>Seller Comment (XX/XX/XXXX): REO docs provided is insurance and pending sale notification on Zillow. The pending sale was used to exclude residence.<br>Reviewer Comment (XX/XX/XXXX): Please provide mortgage statement from time of closing.<br>Seller Comment (XX/XX/XXXX): HOME SOLD SHORTLY AFTER CLOSING IN XXXX XXXX |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10075 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10075 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $900.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes | CMLTI 2026-1-10075 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10075 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing Mortgage Statement for XXXX with no further clarification of which expense or expenses are escrowed. Tax and insurance were not provided to verify the escrowed amount was sufficient for both expenses. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Please provide mortgage statement from time of closing.<br>Seller Comment (XX/XX/XXXX): REO docs provided is insurance and pending sale notification on Zillow. The pending sale was used to exlcude residence.<br>Reviewer Comment (XX/XX/XXXX): Please provide mortgage statement from time of closing.<br>Seller Comment (XX/XX/XXXX): HOME SOLD NOW - ATTACHED REDFIN REPORT |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10075 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10076 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10076 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10076 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10076 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10076 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $155.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10076 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10076 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX XXXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment (VVOE) completed within 10 days of closing must be provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Seller Comment (XX/XX/XXXX): LENDER PROVIDED WHAT THEY HAD. XXXXTO REVIEW<br>Reviewer Comment (XX/XX/XXXX): VOE not within 10 days of note, exception remains.<br>Seller Comment (XX/XX/XXXX): Completed. Attestation and Verification for remote work used for 10 day VOE. Note this was during COVID so exceptions were made to verification.<br>Reviewer Comment (XX/XX/XXXX): VVOE provided is dateXX/XX/XXXXnd note date ofXX/XX/XXXXs not within 10 days.<br>Seller Comment (XX/XX/XXXX): ATTACHED VVOE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10076 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10076 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing a copy of VVOE. Per guidelines, Verbal Verification of Employment (VVOE) completed within 10 days of closing must be provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Seller Comment (XX/XX/XXXX): LENDER PROVIDED WHAT THEY HAD. XXXXTO REVIEW<br>Reviewer Comment (XX/XX/XXXX): VOE not within 10 days of note, exception remains.<br>Seller Comment (XX/XX/XXXX): Completed. Attestation and Verification for remote work used for 10 day VOE. Note this was during COVID so exceptions were made to verification. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10076 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10077 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $294.00 exceeds tolerance of $196.00 plus 10% or $215.60. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10077 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10078 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1.00 exceeds tolerance of $0.00. $1.00 over legal limit. Insufficient or no cure was provided to the borrower. (8304) | Transfer Tax Fee was added on Closing Disclosure issued XX/XX/XXXX; a Change of Circumstance was not provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10078 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10078 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Administrative Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. $75.00 over legal limit. Insufficient or no cure was provided to the borrower. (77256) | Fee was added on Closing Disclosure on XX/XX/XXXX. The Loan Estimate did not provide a fee for Title-Administrative Fee, and a Change of Circumstance was not provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10078 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10078 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Receipt dated XX/XX/XXXX however appraisal report dated XX/XX/XXXX |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10078 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10078 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | EV2-B with pre-consummation lender exception and sufficient comp factors. Results are no longer QM Risk. QM Status = Safe Harbor QM (APOR) |  |  |  | Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EV2-B with pre-consummation lender exception and sufficient comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10078 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10078 | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is provided for payment shock with compensating factors of high income earning and FICO score of 786. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX.<br>DTI: XX% <br> Guideline Maximum DTI: XX% | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Lender Exception with Compensating Factors provided. Downgraded and Waived. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10078 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10078 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Lender exception is provided for payment shock with compensating factors of high income earning and FICO score of 786 and disposable income. | Borrower has verified disposable income of at least $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10078 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10078 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Lender exception is provided for payment shock with compensating factors of high income earning and FICO score of 786. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EV2-B with pre-consummation lender exception and sufficient comp factors.<br>Reviewer Comment (XX/XX/XXXX): Lender exception is provided for payment shock with compensating factors of high income earning and FICO score of 786 and disposable income. Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10078 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10079 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Loan is 1 year Interest Only, 11/1 Adjustable Rate |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10079 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10079 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Payment stream 1 reflects a Principal and Interest Payment of $XXXX. Actual payment is $XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10079 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10079 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Loan is 1 year Interest Only, 11/1 Adjustable Rate |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10079 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10079 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129747) | Payment stream 1 reflects a Principal and Interest Payment of $XXXX. Actual payment is $XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10079 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10079 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 13,159.63 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Page 4 of final closing disclosure reflects estimated property costs of $13,159.63. Actual property costs are $14,355.96. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10079 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10079 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Appraisal Fee was disclosed on initial Loan estimate as $0.00 but disclosed on final Closing Disclosure $600.00. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10079 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10082 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | Home Loan Toolkit not provided to borrower. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (43-Q) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10082 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10082 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. | Right to cancel signature date is XX/XX/XXXX with expiration date XX/XX/XXXX, Notary date is also XX/XX/XXXX, however Closing Disclosure issued XX/XX/XXXX was signed XX/XX/XXXX with no evidence of later receipt. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (43-Q) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10082 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10082 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (43-Q) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10082 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10082 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (43-Q) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10082 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10082 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (43-Q) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10082 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10083 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. $4.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Credit Report Fee on closing disclosure is $67.40 and on loan estimate $63.00. No Valid Change circumstance in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10083 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10083 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10083 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10084 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10084 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10084 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXX) | Missing evidence ofXX/XX/XXXXoan Estimate receipt, using mailbox method results in late delivery. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10084 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10084 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10084 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10084 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10084 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10084 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10084 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10084 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10084 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10085 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10085 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10085 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10085 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10086 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10086 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10086 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10086 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10086 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10086 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10086 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10086 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10088 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10088 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10088 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10088 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10088 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10088 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10088 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of 18,173.43 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Escrowed Property Costs over Year 1 of 18,173.43 is over-disclosed and should be $15644.76 based on total monthly taxes of $1303.73 |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10088 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10088 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3139101) | Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment of $1282.42 that does not match the actual payment of $1652.13, which includes HOI of $348.40 and Taxes of $1303.73. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10088 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10088 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX) | The subject loan does not have Non Escrowed Property Cost - All property cost are escrowed, which includes taxes and insurance. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10088 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10088 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3139101) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment of $4216.04 that does not match the actual principal and interest payment of $3949.78. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10088 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10088 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10088 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10088 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10088 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10088 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10088 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10088 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10088 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10090 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10090 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10090 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10090 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10090 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10090 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10090 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10090 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10090 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10090 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10090 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Incomplete Closing Disclosure is not dated, so the issue date is XX/XX/XXXX, which is the same day as the Loan Estimate issued XX/XX/XXXX. Disclosure was not labeled as Draft, and there is no lender attestation that the Disclosure was never provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10090 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10090 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (InitiXX/XX/XXXX) | Issue date was left blank on Closing Disclosure. It appears the issue date was XX/XX/XXXX due to the timestamp at the bottom of page 1. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10090 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10090 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,956.00 exceeds tolerance of $2,300.00. $1,656.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | . |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10090 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10090 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing application date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10090 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10090 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Loan designation updated to "small creditor" on 4/28 |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10090 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10090 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10090 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10091 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Disclosure is missing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10091 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10091 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,300.00 exceeds tolerance of $925.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10091 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10093 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX) | Adjustable-Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate index as reflected on the Note. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10093 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10093 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR Irregular Transaction | TILA-RESPA Integrated Disclosure - Loan Calculations: APR ofXX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR ofXX% outside ofXX% tolerance. (FinXX/XX/XXXX) | Loan Calculations: APR ofXX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR ofXX% outside ofXX% tolerance. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10093 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10093 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $763,883.47 is under disclosed by $313,240.74 compared to the calculated Finance Charge of $1,077,124.21 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Finance Charge understated by $313,240.74. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10093 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10093 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,720,887.62 is under disclosed by $313,785.74 compared to the calculated total of payments of $2,034,673.36 which exceeds the $35.00 threshold. (FinXX/XX/XXXX) | Total of Payments understated by $313,785.74 |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10093 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10093 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $55.00 plus 10% or $60.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10093 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10093 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10093 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. | Borrower was not provided Right Not to Close Disclosure. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Subsequent Change Frequency | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. (FinXX/XX/XXXX) | Note reflects 12 month adjustments; Final Closing Disclosure reflects subsequent changes of 12 months. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $431,414.68 is under disclosed by $2,364.51 compared to the calculated Finance Charge of $433,779.19 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Finance Charge understated by $2,364.51 compared to the calculated Finance Charge of $433,779.19, which exceeds the $35.00 threshold. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3129759) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments. (FinXX/XX/XXXX) | Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (FinXX/XX/XXXX) | Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (FinXX/XX/XXXX) | Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | "Product" on page 1 of Final Closing Disclosure does not match the note terms. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1 | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed $0.00 instead of a '-' in the payment stream on a loan containing Mortgage Insurance. (ProjSeq:3/3129760) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed $0.00 instead of a '-' in the payment stream on a loan containing Mortgage Insurance. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1 | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed $0.00 instead of a '-' in the payment stream on a loan containing Mortgage Insurance. (ProjSeq:4/3129761) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed $0.00 instead of a '-' in the payment stream on a loan containing Mortgage Insurance. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3129760) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3129761) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129758) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,299,720.73 is under disclosed by $2,859.51 compared to the calculated total of payments of $1,302,580.24 which exceeds the $35.00 threshold. (FinXX/XX/XXXX) | Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,299,720.73 is under-disclosed by $2,859.51 compared to the calculated total of payments of $1,302,580.24, which exceeds the $35.00 threshold. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,100.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | The file is missing a valid Change of Circumstance for zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee amount of $1,100.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10094 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10095 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10095 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10095 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10095 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10095 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10095 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10095 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,950.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10095 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10096 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Due to 12 months of interest only payment principal and interest payment for payment stream 1 does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10096 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10096 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129764) | Due to 12 months of interest only payment principal and interest payment for payment stream 1 does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10096 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10096 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 22,111.00 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | 12 months interest only payment as per final closing disclosure hence we are getting the difference. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10096 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10096 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $600.00. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | No valid COC or lender cure was provided for the increase in 0% Tolerance Fees. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10096 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10096 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. $4.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | No valid COC or lender cure was provided for the increase in 0% Tolerance Fees. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10096 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10096 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM Disclosure is required to be delivered within 3 business days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10096 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10096 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10096 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10096 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXXX. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10096 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10096 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10096 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10097 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10097 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10097 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10097 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10097 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10097 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10097 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10097 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10097 | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | As per the calculation LTV is XX%; however as per the guidelines allowable is only 85.0000% which exceeds the threshold. (If we consider100% as LTV as per the matrix then there will be discrepancy on the Loan amount.) Hence raised concern on LTV. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): We have reached out to outside counsel regarding loan designation since this is a credit guideline requirement. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10097 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10097 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | As per the calculation LTV is XX%; however as per the guidelines allowable is only 85.0000% which exceeds the threshold. (If we consider100% as LTV as per the matrix then there will be discrepancy on the Loan amount.) Hence raised concern on LTV. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): We have reached out to outside counsel regarding loan designation since this is a credit guideline requirement. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10097 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10099 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10099 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10099 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10099 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10100 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $7,728.00 exceeds tolerance of $0.00. $7,728.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points on Initial Loan Estimate as $965.00 but disclosed, which increased on Loan Estimate dated XX/XX/XXXX, is $900.00 and final Closing Disclosure as $7,728.00. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure is provided in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10100 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10100 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,010.00 exceeds tolerance of $965.00. $45.00 over legal limit. Insufficient or no cure was provided to the borrower. (7334) | Processing Fee on Initial Loan Estimate as $0.00 but disclosed, which increased on Loan Estimate dated XX/XX/XXXX, is $1,010.00. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure is provided in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10100 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10100 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,500.00 exceeds tolerance of $450.00. $1,050.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee on Initial Loan Estimate as $450.00 but disclosed, which increased on Loan Estimate dated XX/XX/XXXX, is $1,450.00. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure is provided in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10100 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10100 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $325.00. $70.00 over legal limit. Insufficient or no cure was provided to the borrower. (75215) | HOA/Condo Questionnaire on Initial Loan Estimate as $325.00, but disclosed, which increased on Closing Disclosure dated XX/XX/XXXX, is $1,500.00. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure is provided in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10100 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10100 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | DTI of XX% exceeding guideline allowable limit of 45%, and 1008 DTI reflects XX%.Data being used in calculations.<br> Data being used in calculations.<br> Income: $XXXX.<br> Subject Mortgage P&I:$XXXX (PER GUIDES QUALIFICATION METHOD: Greater of the fully indexed rate or the note rate + 2.0%).<br> Total Other Financing. N/A.<br> Hazard $XXXX.<br> MI $n/a.<br> Taxes $XXXX.<br> Non subject REO $XXXX.<br> HOA DUES $XXXX<br> Credit debt $XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors were used to waive the DTI and allow for Safe Harbor APOR.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Seller Comment (XX/XX/XXXX): Uploaded exception approval to docacuity per XXXX 5/11 - compensating factors has a number assigned to it with table with descriptions included at the bottom of the screenshot<br>Reviewer Comment (XX/XX/XXXX): Portfolio exception tracking provided. Unable to confirm compensating factors, higher DTI limit approved on exception. Lender exception with compensating factors for higher DTI approval is missing.<br>Seller Comment (XX/XX/XXXX): attached approved exception for dti<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br>Reviewer Comment (XX/XX/XXXX): Waiting for verbal. Changed method to note rate, per guides. The DTI is XX%. The max DTI is 45%. 1008 DTI is XX%.<br>Seller Comment (XX/XX/XXXX): requested the vvoe. However, on the dti exception piece, LOAN IS A 7/1 ARM GUIDELINES STATE FIXED TERM SEVEN YEARS OR GREATER THE LOCKED RATE IS USED TO QUALIFY |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10100 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10100 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Changed method to note rate, per guides. The DTI is XX%. The max DTI is 45%. 1008 DTI is XX%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors were used to waive the DTI and allow for Safe Harbor APOR.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): exception screen shot not legible, not valid.<br>Seller Comment (XX/XX/XXXX): Exception approval provided showed CF or compensating factors were noted as 2 and 9 which mean low ltv/cltv and executive request per the table that is also included on the approval<br>Reviewer Comment (XX/XX/XXXX): Portfolio exception tracking provided. Unable to confirm compensating factors, higher DTI limit approved on exception. Lender exception with compensating factors for higher DTI approval is missing.<br>Seller Comment (XX/XX/XXXX): exception approval for dti provided |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10100 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10101 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10101 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10101 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $960.00. $40.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Appraisal fee increased from $960.00 to $1,000.00, an increase of $40.00, without a valid changed circumstance document in file. No cure provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10101 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10101 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $87.40 exceeds tolerance of $63.00. $24.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Credit report fee increased from $63.00 to $87.40, an increase of $24.40, without a valid changed circumstance document in file. No cure provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10101 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10101 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10101 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10103 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10103 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10103 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure dated XX/XX/XXXX was not provided to the borrower within three (3) days of application date XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10103 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10103 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $252.00 exceeds tolerance of $225.00 plus 10% or $247.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10103 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10103 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,150.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10103 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10103 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $0.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10103 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10104 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) | Receipt dated XX/XX/XXXX; however, appraisal report dated XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10104 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10104 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10104 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10104 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10104 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10105 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10105 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10105 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10105 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10105 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10105 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10105 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10105 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10106 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10106 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10106 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | PLEASE OVERRIDE, loan was initially fixed and onXX/XX/XXXX was changed to a 10/1 ARM, ARM disclosed 9/17/20. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10106 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10106 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10106 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10106 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10106 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10106 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): Loan over 3 years seasoned. XXXXto waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10106 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10107 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10107 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10107 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10107 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10107 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10107 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10107 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10107 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10107 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing gap letter. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Requires LOE for any gaps that span one or more months.<br>Seller Comment (XX/XX/XXXX): gap was less than 6 months old and that is the requirement the agencies have and we would have relied on. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10107 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10108 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX22 missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10108 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10108 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Flood Certificate Error: Certificate Number was not provided. |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10108 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10108 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,600.00 exceeds tolerance of $925.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10108 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10110 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10110 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10110 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing receipt of XX/XX/XXXX report, receipt of earlier report was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10110 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10110 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:834XX/XX/XXXX) | Missing receipt of XX/XX/XXXX report, receipt of earlier report was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10110 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10110 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Missing initial 1003 in file |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10110 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10110 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10110 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10110 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure is not provided at least 3 business days prior to closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10110 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10110 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Initial Loan Application not provided |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10110 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10110 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10110 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10110 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10110 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10112 | XXXX | XXXX | XXXX | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Genesee County Water Contamination: Property is located in Genesee County, MI and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards |  | No evidence in file that water supply is serviced by a non municipal water source or water quality analysis that states water is contaminate free. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10112 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10112 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10112 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10112 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10112 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10113 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | discrepancies related to the first and subsequent change periods due to the construction perm terms. It appears that the lender has based the entries on CD for the permanent phase and not the whole loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10113 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10113 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | discrepancies related to the first and subsequent change periods due to the construction perm terms. It appears that the lender has based the entries on CD for the permanent phase and not the whole loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10113 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10113 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | discrepancies related to the first and subsequent change periods due to the construction perm terms. It appears that the lender has based the entries on CD for the permanent phase and not the whole loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10113 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10113 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129739) | discrepancies related to the first and subsequent change periods due to the construction perm terms. It appears that the lender has based the entries on CD for the permanent phase and not the whole loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10113 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10113 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 17,124.36 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | discrepancies related to the first and subsequent change periods due to the construction perm terms. It appears that the lender has based the entries on CD for the permanent phase and not the whole loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10113 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10113 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXXX missing replacement cost, | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Seller Comment (XX/XX/XXXX): XXXXTO WAIVE<br>Reviewer Comment (XX/XX/XXXX): Please provide email from insurer stating replacement cost covers 100% of replacement cost estimate.<br>Seller Comment (XX/XX/XXXX): Current balance of loan is $XXXX which is covered by insurance. XXXX policy in file insures for replacement cost of property. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10113 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10114 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10114 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10114 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10114 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10114 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10114 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10116 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $960.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10116 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10117 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $125.00 exceeds tolerance of $75.00 plus 10% or $82.50. $42.50 over legal limit. Insufficient or no cure was provided to the borrower. (0) | 10% tolerance was exceeded by $82.50 due to an increase in the recording fee. No valid Change of Circumstance was provided, and no evidence of cure was found in the file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10117 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10118 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10118 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10118 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10118 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10118 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Exception Detail was updated on XX/XX/XXXX. PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10118 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10118 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10118 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10118 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10118 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10119 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10119 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10119 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post December 2015, the subject property is in a flood zone, flood insurance is not escrowed. | Flood insurance is not escrowed. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | Provide evidence the escrow account was established for the flood insurance, LOE, Corrected IEAD, corrected PCCD (if applicable) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10119 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10119 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $249.30 exceeds tolerance of $214.00 plus 10% or $235.40. $13.90 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Recording fee amount of $249.30 exceeds tolerance of $214.00. A valid COC for the fee increase was not provided. A cure amount of $13.90 was provided to the borrower at close. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10119 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10119 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $450.00 exceeds tolerance of $0.00. $450.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Fee was added on final closing disclosure issued XX/XX/XXXX, change of circumstance dated XX/XX/XXXX stated "Rate lock extended - locked pricing changed", however points were increased outside of ratio. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10119 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10119 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10119 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10121 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10121 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10121 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Borrower disclosed on Final application he co-signed or is guarantor on additional debt or loan that is not on application. Corrected 1003 required. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2 with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive based on compensating factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10121 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10121 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Borrower disclosed on Final application he co-signed or is guarantor on additional debt or loan that is not on application. Corrected 1003 required. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2 with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive based on compensating factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10121 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10121 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. | Borrower: XXXX | Borrower disclosed on Final application he co-signed or is guarantor on additional debt or loan that is not on application. Corrected 1003 required. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan has enough documentation to reach Safe harbor<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provided supporting documentation in order to verify type of debt, date and details of the debt referred on credit application<br>Seller Comment (XX/XX/XXXX): Lender cannot provide anything else for this exception<br>Reviewer Comment (XX/XX/XXXX): Please provided supporting documentation in order to verify type of debt, date and details of the debt referred on credit application<br>Seller Comment (XX/XX/XXXX): Explanation is "[Borrower] My business has a line of credit through the SBA. i suspect i signed as a guarantor" |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10121 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10121 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Borrower disclosed on Final application he co-signed or is guarantor on additional debt or loan that is not on application. Corrected 1003 required. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan has enough documentation to reach Safe harbor<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10121 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10123 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10123 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10123 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10123 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10123 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10123 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10123 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Seller Comment (XX/XX/XXXX): LOAN IS OVER 3 YEARS SEASONED. XXXXTO WAIVE/REVIEW<br>Seller Comment (XX/XX/XXXX): LOAN IS OVER 3 YEARS SEASONED. XXXXTO WAIVE/REVIEW |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10123 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10123 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX. | Based on asset documentation in file, verified assets total $XXXX. With funds required to bring to closing of $XXXX, plus the Recertification of Value Fee of $150.00 POC, total funds to be verified is $XXXX. Additionally, guidelines require 6 months of reserves for this loan ($XXXX), and there are only XX months of reserves verified ($XXXX). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Loan is being tested to APOR. Asset requirements need to be met.<br>Seller Comment (XX/XX/XXXX): Per lender, We did not obtain additional reserves. Refinance of our own loan |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10123 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10123 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10123 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10123 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Recertification of Value. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7543) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10123 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10123 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Based on asset documentation in file, verified assets total $XXXX. With funds required to bring to closing of $XXXX, plus the Recertification of Value Fee of $150.00 POC, total funds to be verified is $XXXX. Additionally, guidelines require 6 months of reserves for this loan ($XXXX), and there are only XX months of reserves verified ($XXXX). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Loan is being tested to APOR. Asset requirements need to be met.<br>Seller Comment (XX/XX/XXXX): Per lender, We did not obtain additional reserves. Refinance of our own loan - loan should still be QM and not a risk just because it's short on a lender reserve guide |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10123 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10124 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10124 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10124 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10124 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10124 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10124 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10124 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10124 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10125 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10125 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10125 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10125 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10125 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10125 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10125 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10125 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10125 | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A copy of borrower's degree will be required to confirm eligibility however it is not located in the file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Guidelines require a copy of the degree to confirm eligibility.<br>Seller Comment (XX/XX/XXXX): per lender, This was only required for new XXXX. This person has been in business since XXXX based on their license which I have provided.<br>Seller Comment (XX/XX/XXXX): attached the license verification<br>Reviewer Comment (XX/XX/XXXX): The XXXX requires a copy of the borrower's degree to confirm eligibility. Exception remains.<br>Seller Comment (XX/XX/XXXX): ? WHY WOULD BORR DEGREE BE REQUIRED? SELF EMPLOYED 15 YEARS. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10125 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10126 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10126 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10126 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 16,230.17 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | The final CD disclosed the Amount of Escrowed Property Costs over Year 1 as $16,230.17 on page 4th which is for 11 months only instead of 12 months.<br> (Actual monthly property tax $13,25.47 and Insurance $150 = $1,475.47\*12= 17,705.64) |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10126 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10126 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10126 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10126 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10126 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10126 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $XXXX based on loan amount $XXXX, appraisal value $XXXX, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10126 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10127 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX22 is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10127 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10127 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10127 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10127 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10127 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10127 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10127 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10127 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $700.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10127 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10128 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10128 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10128 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10128 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10128 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10128 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10130 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10130 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10130 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10130 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10130 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10130 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10130 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10130 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10130 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10130 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10131 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10131 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10131 | XXXX | XXXX | XXXX | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Genesee County Water Contamination: Property is located in Genesee County, MI and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards |  | No evidence in file that water supply is serviced by a non-municipal water source or water quality analysis that states water is contaminant-free. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10131 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10131 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10131 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10131 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10131 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10134 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Missing Initial 1003. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10134 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10134 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10134 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10134 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing Initial 1003. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10134 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10134 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10134 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10134 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10134 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10134 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Insurance Verification | Mortgage statement,Tax Certificate, Insurance missing for REO - Olmstead. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Insurance Verification, Statement, Tax Verification<br>Seller Comment (XX/XX/XXXX): Providing mortgage statement that reflects an escrow account so this would have covered both taxes and insurance so the HOI was not obtained. Providing email from borrower stating neither property had HOA dues.<br>Reviewer Comment (XX/XX/XXXX): HOI verification has not been provided for XXXX.<br>Seller Comment (XX/XX/XXXX): attached reo docs |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10134 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10135 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10135 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10135 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10135 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10136 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $591,465.62 is under disclosed by $12,567.01 compared to the calculated Finance Charge of $604,032.63 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | The disclosed Finance Charge in the amount of $591,465.62 is under disclosed by $12,567.01. Calculated Finance Charge is $604,032.63. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10136 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10136 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,377,447.02 is under disclosed by $12,887.01 compared to the calculated total of payments of $1,390,334.03 which exceeds the $35.00 threshold. (FinXX/XX/XXXX) | Disclosed Total of Payments is $1,377,447.02 total of payments of $1,390,334.03 which exceeds the $35.00 threshold. There is a variance of $12,887.01. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10136 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10136 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $960.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10136 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10137 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | Borrower: XXXX | Verification of citizenship status not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10137 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10137 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | Borrower: XXXX | Verification of citizenship status not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10137 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10137 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10137 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10137 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10137 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10137 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10137 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10138 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated to designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10138 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10138 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated to designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10138 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10139 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10139 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10139 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $960.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10139 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10140 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10140 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10140 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10140 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10140 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Product Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10140 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10140 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10140 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10140 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10140 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10140 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing e-Consent agreement. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment - Seller comment - Loan is over 5 years seasoned past the statute of limitations. Exception should be downgraded.<br>Seller Comment (XX/XX/XXXX): Loan is over 5 years seasoned past the statute of limitations. Exception should be downgraded.<br>Seller Comment (XX/XX/XXXX): Loan is over 5 years seasoned past statute of limitations. should be a non material exception. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10140 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10140 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | The Work Number verification of employment is dated XX/XX/XXXX which is after the note date.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Per seller - Agree the verbal is dated after closing. XXXXto review. Loan is SHQM. Do not see an issue with this.<br>Seller Comment (XX/XX/XXXX): Agree the verbal is dated after closing. XXXXto review. Loan is SHQM. Do not see an issue with this. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10140 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10140 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The Work Number verification of employment is dated XX/XX/XXXX which is after the note date.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Per seller - Agree the verbal is dated after closing. XXXXto review. Loan is SHQM. Do not see an issue with this.<br>Seller Comment (XX/XX/XXXX): Agree the verbal is dated after closing. XXXXto review. Loan is SHQM. Do not see an issue with this. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10140 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10141 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Flood Certificate Error: Certificate Number was not provided. |  | Flood Certificate was not found in file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10141 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10141 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $155.00 exceeds tolerance of $140.00 plus 10% or $154.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10141 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10141 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10141 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | . |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Initial 1003 is missing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Initial 1003 is missing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Loan is 1-year interest-only fixed rate. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 14,904.78 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Amount of estimated property costs over Year 1 is $14,904.78. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Final Closing Disclosure dated XX/XX/XXXX does not disclose whether the loan will have an escrow account. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Initial Loan Estimate not provided to borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Required right to receive copy of appraisal within 3 business days from closing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | Purchase contract date not provided. |  | Purchase contract is missing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide purchase agreement, Exception remains.<br>Seller Comment (XX/XX/XXXX): attached construction plans and specs |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Please provide purchase agreement, Exception remains.<br>Seller Comment (XX/XX/XXXX): construction plans and specs uploaded along with project approval |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Waterfall issues due to missing third-party verification of co-borrower's employment with XXXX, unable to confirm start date and duration of employment. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide VOE for XXXX, Exception remains.<br>Seller Comment (XX/XX/XXXX): vvoes uploaded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower:XXXX// Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Waterfall issues due to missing third-party verification of primary borrower's employment with XXXX, unable to confirm start date and duration of employment. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide VOE for XXXX, Exception remains.<br>Seller Comment (XX/XX/XXXX): vvoes uploaded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Waterfall issues due to missing third-party verification of co-borrower's employment with XXXX, unable to confirm start date and duration of employment. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide VOE for XXXX, Exception remains.<br>Seller Comment (XX/XX/XXXX): vvoes uploaded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower:XXXX// Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Waterfall issues due to missing third-party verification of primary borrower's employment with XXXX, unable to confirm start date and duration of employment. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide VOE for XXXX, Exception remains.<br>Seller Comment (XX/XX/XXXX): vvoes uploaded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Initial and final 1003s missing, fraud report missing, along with valuation (appraisal, CDA). Loan approval was not provided in the file. Please provide a document reflecting the loan was approved and the terms of the approval (LTV, DTI, FICO, etc.). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide Fraud report, Exception remains.<br>Seller Comment (XX/XX/XXXX): all docs uploaded on prior exceptions |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing third-party verification of primary borrower's employment with XXXX, unable to confirm start date and duration of employment. Waterfall issues due to missing third-party verification of co-borrower's employment with XXXX, unable to confirm start date and duration of employment. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide VOE for both borrower's employment, Exception remains.<br>Seller Comment (XX/XX/XXXX): vvoes uploaded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX, Financial Institution: XXXX // Account Type: Savings / Account Number: XXXX | Consecutive bank statement for acct#XXXX is required to meet 2 months requirement. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10142 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10143 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $105.00 exceeds tolerance of $65.00 plus 10% or $71.50. $33.50 over legal limit. Insufficient or no cure was provided to the borrower. (0) | 10% tolerance was exceeded by $33.50. No valid Change of circumstance provided, nor evidence of cure in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10143 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10143 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10143 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10143 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10143 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10143 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10143 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10144 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10144 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10144 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 15,342.36 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Amount of estimated property costs over year 1 of $15,342.36 on final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10144 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10144 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10144 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10144 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10144 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10144 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Construction-Permanent | Final CD evidences Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10144 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10144 | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Calculated LTV of 90% exceeds guideline maximum allowable LTV of 85% for the loan amount of $XXXX. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide compensating factors used for approval.<br>Seller Comment (XX/XX/XXXX): attached exception approval |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10144 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10144 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XX% exceeds Guideline combined loan to value percentage of XX%. | Calculated CLTV of 90% exceeds guideline maximum allowable CLTV of 85% for the loan amount of $XXXX. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide compensating factors used for approval.<br>Seller Comment (XX/XX/XXXX): attached exception approval |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10144 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10144 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $XXXX, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10144 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10144 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXXX // Account Type: 401(k)/403(b) Account / Account Number: XXXXK | XX/XX/XXXX to XX/XX/XXXX statement provided; guideline required two months of consecutive statements. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Lender agrees<br>Seller Comment (XX/XX/XXXX): per lender, They only obtained the 1 month of XXXXStatement for the retirement account. The other XXXXwas to show where the additional cash plus large deposit into XXXX. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10144 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10144 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | XX/XX/XXXX to XX/XX/XXXX statement provided; guideline required two months of consecutive statements. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Lender agrees<br>Seller Comment (XX/XX/XXXX): per lender, They only obtained the 1 month of XXXXStatement for the retirement account. The other XXXXwas to show where the additional cash plus large deposit into XXXX. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10144 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10144 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Waterfall due to missing supporting documentation to exclude investment property on XXXX. There is a LOE, borrowers intend to sell; however, additional documentation is needed to support exclusion.<br> Max Appendix Q DTI is 43% and current DTI is 54.68%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Cit to review<br>Seller Comment (XX/XX/XXXX): per lender, the debt was excluded in error. Home did sell in November XXXX however debt was not included in the ratios and this was an error. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10144 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10144 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Missing supporting documentation to exclude investment property on XXXX. There is a LOE, borrowers intend to sell; however, additional documentation is needed to support exclusion. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): per lender, the debt was excluded in error. Home did sell in XXXX XXXX however debt was not included in the ratios and this was an error. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10144 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10145 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Missing Lender's Initial 1003. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10145 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10145 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Initial 1003 is missing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10145 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10145 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Initial 1003 is missing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10145 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10145 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Initial 1003 is missing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10145 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10145 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10145 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10145 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10145 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10145 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment<br>Seller Comment (XX/XX/XXXX): Loan seasoned over 3 years. XXXXto waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10145 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10147 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% moderately exceeds the guideline maximum of 48.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated DTI: XX% exceeds guideline limit of 48% but matches approved DTI on 1008 Loan Underwriting and Transmittal Summary. DTI. Borrower total debt $XXXX = DTI XX% | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 2yr Full Doc<br> Disposable Income: $XXXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Seller Comment (XX/XX/XXXX): UPLOADED EXCEPTION AGAIN WHICH SHOWS YES FOR DTI AND COMPENSATING FACTOR OF 5 WHICH IS BANK RELATIONSHIP. SCREENSHOT OF EXCEPTION APPROVAL ON LOAN ORIGINATION SYSTEM HAS BEEN ACCEPTABLE<br>Reviewer Comment (XX/XX/XXXX): Please provide exception and approval stating the exception for DTI.<br>Seller Comment (XX/XX/XXXX): Attached exception approval for DTI |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10147 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10147 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Calculated DTI: XX% matches approved DTI on 1008 Loan Underwriting and Transmittal Summary but exceeds the guideline maximum 48% DTI, causing the loan to waterfall through the QM Testing. DTI. Borrower total debt $XXXX = DTI XX% | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 2yr Full Doc<br> Disposable Income: $XXXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Seller Comment (XX/XX/XXXX): UPLOADED EXCEPTION AGAIN WHICH SHOWS YES FOR DTI AND COMPENSATING FACTOR OF 5 WHICH IS BANK RELATIONSHIP. SCREENSHOT OF EXCEPTION APPROVAL ON LOAN ORIGINATION SYSTEM HAS BEEN ACCEPTABLE<br>Reviewer Comment (XX/XX/XXXX): Please provide exception and approval stating the exception for DTI.<br>Seller Comment (XX/XX/XXXX): Attached exception approval for DTI |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10147 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10148 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10148 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10148 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $4,259.90 may be required. | No Loan Estimates provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10148 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10148 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Minimum tradeline requirements not met. Only 1 tradeline provided, 3 are required as per guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | DTI: XX% <br> Guideline Maximum DTI: XX% | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Lender Exception with Compensating Factors provided. Downgraded and Waived.<br>Seller Comment (XX/XX/XXXX): attached exception approval and vor |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10148 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10149 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10149 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10149 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10149 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10149 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10149 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10149 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10149 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10149 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10149 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10149 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | The file was missing a copy of the E-sign Consent Agreement. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10149 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10150 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10150 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10150 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10150 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10150 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | DTI exceeds the guideline maximum allowable of 43%. Data being used in calculations. Income :$XXXX, subject mortgage P&I :$XXXX, Total other debts:$XXXX, Hazard $XXXX, Taxes$XXXX, and HOA $XXXX. DTI discrepancy due to borrower getting other income $XXXX however, no acceptable documentation has been provided to verify this income and XXXX property expenses not included into DTI. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Guidelines provided at time of review are dated XX/XX/XXXX, asset depletion not listed as income source, exception remains.<br>Seller Comment (XX/XX/XXXX): please see attached asset depletion addition to the classic premier guidelines from XXXX XXXX - this was an addendum adding to the guidelines. apologies for it not being included initially<br>Reviewer Comment (XX/XX/XXXX): Asset depletion income not included in eligible income types per guidelines.<br>Seller Comment (XX/XX/XXXX): Income was Asset Depletion from XXXX. Provided Statements and 1008 indicates calculation the UW used. All REO debt has been included in the ratios. XXXXdebt excluded to XXXX XXXX being sold. XXXX debt being paid by the business. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10150 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10150 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing Most recent tax transcripts, Most recent signed, dated 1040s, XXXXted YTD P&L and Most recent signed, dated 1065 returns. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Guidelines provided at time of review are dated XX/XX/XXXX, asset depletion not listed as income source, exception remains.<br>Seller Comment (XX/XX/XXXX): please see attached asset depletion addition to the classic premier guidelines from XXXX XXXX - this was an addendum adding to the guidelines. apologies for it not being included initially<br>Reviewer Comment (XX/XX/XXXX): Asset depletion income not included in eligible income types per guidelines.<br>Seller Comment (XX/XX/XXXX): Income was Asset Depletion from XXXX. Provided Statements and 1008 indicates calculation the UW used. All REO debt has been included in the ratios. XXXXdebt excluded to XXXX XXXX being sold. XXXX debt being paid by the business. Schedule C income so included all personal Returns |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10150 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10150 | XXXX | XXXX | XXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Subject Property is greater than 10 acres. |  | Per guidelines, site cannot exceed 10 acres. Detached condo is on XX acres per trailing 1073. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Appraisal reflects XXXX acres, exception remains.<br>Seller Comment (XX/XX/XXXX): the entire condo project that consists of XXXX detached homes is on XXXX acres not just our property |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10150 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10151 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10151 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10151 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10151 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10152 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10152 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10152 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | The Closing Disclosure terms and product do not match the Note. The Closing Disclosure should reflect the Note terms. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10152 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10152 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10152 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10152 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | The provided Closing Disclosure subsequent changes test does not match the loan terms. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10152 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10152 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 17,625.41 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Estimated property cost over year 1 of $17,625.41 on the Final Closing Disclosure is over-disclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10152 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10152 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $XXXX based on loan amount, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10152 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10152 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $155.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Construction-Permanent | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10152 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10153 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10153 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10153 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosures were not provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10153 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10153 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10153 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10153 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10153 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10153 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10153 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10153 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $XXXX based on loan amount; there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10153 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10153 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX HOA Verification | HELOC statement and HOA verification is missing for property XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Documenation to verify the HOA expense for the XXXX property is not located in the file.<br>Seller Comment (XX/XX/XXXX): attached reo docs<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: HOA Verification, Statement |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10153 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10154 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,250.00 exceeds tolerance of $65.00 plus 10% or $71.50. $2,178.50 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. The total amount of $2,250.00 exceeds the tolerance of $65.00 plus 10% or $71.50. $2,178.50 is over the legal limit. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10154 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10154 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $475.00. $375.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Zero Percent Fee Tolerance exceeded for Appraisal Fee. The fee amount of $850.00 exceeds the tolerance of $475.00. $375.00 is over the legal limit. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10154 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10154 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $48.70 exceeds tolerance of $34.00. $14.70 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Zero Percent Fee Tolerance exceeded for Credit Report Fee. The fee amount of $48.70 exceeds the tolerance of $34.00. $14.70 is over the legal limit. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10154 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10154 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure was not provided to the borrower within three days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10154 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10154 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | DTI is 45% within the guidelines, and the lender approved the loan at XX%. File is missing lender granted exception with compensating factor. | Borrower has been employed in the same industry for more than 5 years.<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous | Low LTV (Under 70%)<br>The lease has been paid in full (required to stay open until car is turned in) but if removed DTI would be under 45%<br>Other home in wife's name is being sold. Loan qualified will full tax, insurance and HOA dues in their DTI. | SitusAMC<br>Originator<br>Originator<br>Originator | Reviewer Comment (XX/XX/XXXX): comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Lender approved exception is in the file.<br>Seller Comment (XX/XX/XXXX): ATTACHED APPROVAL EMAIL OF DTI EXCEPTION WITH COMPENSATING FACTORS INCLUDED |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10154 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10154 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(e) of XX% moderately exceed the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI is 45% within the guidelines, and the lender approved the loan at XX%. DTI is 45% within the guidelines, and the lender approved the loan at XX%. File is missing lender granted exception with compensating factor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>Miscellaneous | The lease has been paid in full (required to stay open until car is turned in) but if removed DTI would be under 45%<br>Other home in wife's name is being sold. Loan qualified will full tax, insurance and HOA dues in their DTI. | SitusAMC<br>Originator<br>Originator | Reviewer Comment (XX/XX/XXXX): comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Lender approved exception in the file.<br>Seller Comment (XX/XX/XXXX): exception approval uploaded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10154 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10155 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing receipt of XX/XX/XXXX report; receipt of earlier report was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10155 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10155 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Initial credit application/initial 1003 was not provided. Unable to verify application date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10155 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10155 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Missing Initial 1003, and source application date is missing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10155 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10155 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Initial credit application/initial 1003 was not provided. Unable to verify application date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10155 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10155 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Timing | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. | . |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10155 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10155 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,940.05 exceeds tolerance of $-2,109.00. Insufficient or no cure was provided to the borrower. (9300) | Lender Credits Fee was last disclosed as $-2,109.00 on LE but disclosed as $-1,940.05 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10155 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10155 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10155 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10155 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Restated. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10155 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10157 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXX/Lee/17127940) | Waterfall due to missing verification of 2 years employment history. Borrower has been on the current job for less than 8 months. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10157 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10157 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10157 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10157 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10157 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10157 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10157 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10157 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM Disclosure provided XX/XX/XXXX was not within 3 days of application XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10157 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10157 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | CHARM Booklet provided XX/XX/XXXX was not within 3 days of application XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10157 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10157 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $XXXX. $75.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10157 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10157 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $45.90 exceeds tolerance of $44.00. $1.90 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Credit Report Fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10157 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10157 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $132.00 exceeds tolerance of $115.00 plus 10% or $126.50. $5.50 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Recording Fee Total Fee were increased on XX/XX/XXXX Closing Disclosure and again on XX/XX/XXXX Closing Disclosure with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10157 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10157 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-3,785.00. Insufficient or no cure was provided to the borrower. (9300) | 0% tolerance was decreased by $3,785.00 due to decrease of Lender Credits. No valid COC provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10157 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10157 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (FinXX/XX/XXXX) | The estimated escrow payment does not include the monthly MI payment. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10157 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10157 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3143158) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10157 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10157 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3143159) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10157 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10157 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3143160) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10157 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10157 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10157 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10158 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10158 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10159 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10159 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10159 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | The calculated product is 12-month interest only, adjustable rate disclosed on closing disclosure is (1) year interest only, 11/6 adjustable rate. The (12) months period is for construction. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10159 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10159 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 17,565.12 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Total Amount of Estimated Property Costs over Year 1 is $17,565.12. First year is construction term. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10159 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10159 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table (AP) disclosed subsequent changes indicate (1) year payments that do not match the actual terms of the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10159 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10159 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10159 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10159 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10159 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10159 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10159 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10159 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10159 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10163 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (FinXX/XX/XXXX) | As per the final closing disclosure first 10 years payment will be Principal and interest only. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10163 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10163 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX) | Data not provided on the closing disclosure |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10163 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10165 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Loan in Constructions Purchase loan with interest only. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10165 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10165 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Loan in Constructions Purchase loan with interest only. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10165 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10165 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 14,764.64 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Loan in Constructions Purchase loan with interest only. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10165 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10165 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10165 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10165 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10165 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10165 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10165 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10165 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10165 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10165 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXXXProvide updated policy reflecting minimum coverage of $XXXX or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide email from insurer stating replacement cost covers 100% of replacement cost estimate.<br>Seller Comment (XX/XX/XXXX): Current balance of loan is $XXXX which is covered by insurance amount of $XXXX. Insurance has 'replacement cost' coverage |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10165 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10167 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal completed "Subject to Completion"; no 442 or other evidence provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Seller Comment (XX/XX/XXXX): No inspection performed or final COO obtained. |  |  |  | 3 C | XX/XX/XXXX | XX | Primary | Construction-Permanent | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10167 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10167 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing evidence of XX/XX/XXXX appraisal report. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10167 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10167 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10167 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10167 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10167 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10167 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10167 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10167 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a product that does not match the actual product for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation, Re-Disclose Correct Information B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10167 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10167 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose estimated property costs over Year 1 for a loan with no escrow account established. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10167 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10167 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | No Defined Cure B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10167 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10167 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10167 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10167 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10167 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10167 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Electronic Consent is not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10167 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10169 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (Ruben,Laurence Plaza Properties, Inc./Wages) | Waterfall exception due to missing verification of employment. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on alternate pre-closing documentation used to verify employment. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10169 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10169 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall exception due to missing verification of employment.Lease agreement and XXXX 1040 not provided. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on alternate pre-closing documentation used to verify employment.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10169 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10169 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10169 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10169 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10169 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10169 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment (Maximum) for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/3194595) | Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10169 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10169 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Employment verification was missing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on alternate pre-closing documentation used to verify employment. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10169 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10169 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall exception due to Employment verification was missing.Lease agreement and XXXX 1040 not provided. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on alternate pre-closing documentation used to verify employment. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10169 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10169 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to NonQM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10169 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10169 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Employment verification was missing.Lease agreement and XXXX 1040 not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10169 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10169 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10169 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10169 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10169 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10169 | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file. | Credit Report: Original // Borrower: XXXX | Fraud report not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10169 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10170 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose a reason for not having an escrow account on page 4. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10170 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10170 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10170 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10170 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10170 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10171 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10171 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10171 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Disclosure missing from the file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10171 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10171 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10171 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10171 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10171 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10172 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Received Final 1003, Lender's Initial 1003 is missing in file. Exception remains.<br>Seller Comment (XX/XX/XXXX): Missing Document: Missing Lender's Initial 1003 |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10172 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10172 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Initial rate lock date is missing. Exception remains.<br>Seller Comment (XX/XX/XXXX): (Missing Data) Last Rate Set Date |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10172 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10172 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Notice of Special Flood Hazard Disclosure is not signed by the borrower. Exception remains.<br>Seller Comment (XX/XX/XXXX): Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10172 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10172 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (XX/XX/XXXX): SitusAMC: Copy of initial CD is missing in file. Please provide CD received by borrower at least 3 business days prior to the consummation.<br>Seller Comment (XX/XX/XXXX): TRID Initial Closing Disclosure Timing without Waiver Test |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10172 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10172 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10172 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10172 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10172 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10173 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Missing Acknowledgement of Receipt of Home Mortgage Loan Information Document. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10173 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10174 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10174 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10174 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. $4.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. $4.40 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10174 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10175 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Subsequent Change Frequency | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. (FinXX/XX/XXXX) | The lender did not consider the whole loan but only the permanent phase when disclosing the terms. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10175 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10175 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | The lender did not consider the whole loan but only the permanent phase when disclosing the terms. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10175 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10175 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | The lender did not consider the whole loan but only the permanent phase when disclosing the terms. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10175 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10175 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | The lender did not consider the whole loan but only the permanent phase when disclosing the terms. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10175 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10175 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129858) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10175 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10175 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 8,790.65 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Estimated property costs over 1 year are overdisclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10175 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10175 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee amount of $750.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at closing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10175 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10177 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10177 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10177 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10177 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10177 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10177 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10177 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10177 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10177 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10177 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10180 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10180 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10180 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:842XX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10180 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10180 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10180 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10180 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10180 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10180 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10180 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10180 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10180 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10181 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | The updated Appraisal report dated XX/XX/XXXX is missing evidence of borrower receipt |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10181 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10181 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal Transfer Letter is missing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10181 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10181 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10181 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10181 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10181 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10181 | XXXX | XXXX | XXXX | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | Borrower: XXXX | Per final 1003, co-borrower is permanent resident alien however borrower permanent resident card was not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10181 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10182 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of borrower receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10182 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10182 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10182 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10182 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10182 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10184 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10184 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10184 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Initial loan credit application/1003 was not provided. Unable to confirm the application date due to missing source documents. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10184 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10184 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10184 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10184 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Initial loan credit application/1003 was not provided. Unable to confirm the application date due to missing source documents. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10184 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10184 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Verification appraisal delivered to the borrower was not provided in the loan file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10184 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10184 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Loan Estimate dated XX/XX/XXXX was not delivered within 3 business days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10184 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10184 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $8.00 exceeds tolerance of $0.00. $8.00 over legal limit. Insufficient or no cure was provided to the borrower. (77181) | Title - Recording Service Fee increased from $0.00 to $8.00 without a valid change of circumstance. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10184 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10184 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Unable to determine compliance with timing requirements due to a missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10184 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10184 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10184 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10184 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10184 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10184 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing evidence of E-Sign Consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10184 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10185 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Loan is a ARM interest only loan and the final CD AP table does not specify the first change/Amount value and subsequent changes value due to which multiple exceptions are getting triggered. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10185 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10185 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | P&I is not same due to first 12 month is interest only payment. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10185 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10185 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | P&I is not same due to first 12 month is interest only payment. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10185 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10185 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Loan is a ARM interest only loan and the final CD AP table does not specify the first change/Amount value and subsequent changes value due to which multiple exceptions are getting triggered. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10185 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10185 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3132787) | Loan is a ARM interest only loan and the final CD AP table does not specify the first change/Amount value and subsequent changes value due to which multiple exceptions are getting triggered. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10185 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10185 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 20,132.86 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | P&I is not same due to first 12 month is interest only payment. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10185 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10185 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,825.00 exceeds tolerance of $1,725.00. Sufficient or excess cure was provided to the borrower at Closing. (7334) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Construction-Permanent | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10185 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10186 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated 1XX/XX/XXXXXX missing evidence of receipt |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10186 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10186 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10186 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10186 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10186 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10186 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10186 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10188 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10188 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10188 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10188 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10188 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide the List of Homeownership Counseling Organizations to the borrower. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10188 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10188 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final Closing Disclosure is required to be sent to the borrower within 3 business days prior to closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10188 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10188 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $0.00. $850.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Appraisal fee was disclosed on LE for $515, however changed to $850 on the CD. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10188 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10188 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $130.40 exceeds tolerance of $0.00. $130.40 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | LE disclosed discount points a 866 the final CD disclosed it at $130.40 |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10188 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10188 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10188 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10188 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10188 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10188 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10188 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10188 | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Exception remains. Final 1003 states borrower was renting primary residence. VOR required<br>Seller Comment (XX/XX/XXXX): vor not required. listed on credit report |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10188 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10192 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10192 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10192 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10192 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10192 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10192 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10193 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10193 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10193 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10193 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10193 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10193 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10193 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 11,346.72 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10193 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Product Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10193 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Post Close Closing Disclosure Timing Irregular Transactions | TILA-RESPA Integrated Disclosure – Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10193 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $1,695.00 exceeds tolerance of $695.00. $1,000.00 over legal limit. Insufficient or no cure was provided to the borrower. (7355) | Administrative Fee was last disclosed as $695.00 on the Loan Estimate but disclosed as $1,695.00 on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10193 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | XXXX | Credit | Data Verification | General | Data Verification | The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio. | Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | Bank statements from XXXX to support Asset Depletion and Distributions are missing. Without the Asset Depletion income, the DTI is XX% and out of tolerance. |  |  |  | Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10193 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | No evidence that borrower received a copy of appraisal at least 3 business days to closing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10193 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | 442 - Certificate of completion not provided. |  |  |  | Reviewer Comment (XX/XX/XXXX): A final inspection/442 must be completed by an appraiser.<br>Seller Comment (XX/XX/XXXX): ATTACHED FINAL INSPECTION |  |  |  | 3 C | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10193 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10193 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10193 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10194 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal datedXX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10194 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10194 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10194 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10194 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10194 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10194 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $92.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Total amount of $92.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10194 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10195 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10195 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10195 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10195 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10195 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10195 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10195 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Waterfall finding due to missing Initial loan application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10195 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10195 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10195 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10195 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $767.04 exceeds tolerance of $0.00. $767.04 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points increased to $767.04 on the Closing Disclosure XX/XX/XXXX. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10195 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10195 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $0.00. $850.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee increased to $850.00 on the Closing Disclosure XX/XX/XXXX. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10195 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10195 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Waterfall due to missing initial loan application. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10195 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10195 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10195 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10195 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10195 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10195 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment<br>Seller Comment (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED. XXXXTO REVIEW/WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10195 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10196 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10196 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10196 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10196 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10196 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10196 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10197 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10197 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10197 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10197 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10197 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10197 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10198 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10198 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10198 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10198 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10198 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10198 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10198 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Seller comment - Loan over 4 years seasoned past statute of limitations. Exception should be downgraded to non material.<br>Seller Comment (XX/XX/XXXX): Loan over 4 years seasoned past statute of limitations. Exception should be downgraded to non material. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10198 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10198 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. | Borrower: XXXX, Borrower: XXXX | Borrowers disclosed on final application they co-signed or are guarantor on additional debt or loan that is not on application. Corrected 1003 required. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Seller Comment (XX/XX/XXXX): XXXXto review<br>Reviewer Comment (XX/XX/XXXX): Exception remains, unable to verify whether Borrowers co-signed or guaranteed on any additional debt from any other lender.<br>Seller Comment (XX/XX/XXXX): 1003 was not incorrect however based on the assets the borrower had, request for documentation of the$XXXX was not requested. LOB did not do a Bridge Loan however possible another lender did. Previous owned home sold 1 month after closing. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10198 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10198 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations C. indicates borrower is borrowing money for this transaction. The borrowed funds are not documented and/or do not meet guideline requirements. | Borrower: XXXX, Borrower: XXXX | Borrowers disclosed on final application they are borrowing money that is not on application. Corrected 1003 required. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Seller Comment (XX/XX/XXXX): XXXXto review<br>Reviewer Comment (XX/XX/XXXX): Exception remains, unable to verify whether Borrowers co-signed or guaranteed on any additional debt from any other lender.<br>Seller Comment (XX/XX/XXXX): 1003 was not incorrect however based on the assets the borrower had, request for documentation of the$XXXX was not requested. LOB did not do a Bridge Loan however possible another lender did. Previous owned home sold 1 month after closing. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10198 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10198 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $795.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10198 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10199 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10199 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10199 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10199 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10199 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table First Change Frequency Test | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan. (FinXX/XX/XXXX) | Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10199 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10199 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10199 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10199 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Interest Only Payment Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Interest Only Payments Period. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Interest Only Payments Period. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10199 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10199 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10199 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10199 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10199 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10199 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Loan Term | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Loan Term that does not match the actual loan term for the loan. (FinXX/XX/XXXX) | General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Loan Term that does not match the actual loan term for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10199 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10199 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10199 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10199 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (FinXX/XX/XXXX) | Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10199 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10199 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (FinXX/XX/XXXX) | Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10199 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10199 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10199 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10199 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3129788) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10199 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10199 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129787) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10199 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10200 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX) | Non-Escrowed Property Costs over Year 1 on Final Closing Disclosure provided on XX/XX/XXXX are under-disclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10200 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10200 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a product that does not match the actual product for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10200 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10200 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $537,792.89 is under disclosed by $41,694.92 compared to the calculated Finance Charge of $579,487.81 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 in the amount of $537,792.89, which is under-disclosed by $41,694.92 compared to the calculated Finance Charge of $579,487.81. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10200 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10200 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,148,694.59 is under disclosed by $42,074.92 compared to the calculated total of payments of $1,190,769.51 which exceeds the $100.00 threshold. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5. The disclosed Total of Payments in the amount of $1,148,694.59 is under-disclosed by $42,074.92 compared to the calculated total of payments of $1,190,769.51. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10200 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10202 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10202 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10202 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10202 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10202 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10202 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10203 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10203 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10203 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Final Closing Disclosure page four (4) indicated the file would not have an escrow account but did not select if the borrower declined or lender did not offer. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10203 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10203 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10203 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10203 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10203 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10203 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): LOAN IS OVER 3 YEARS SEASONED. XXXXTO REVIEW/DOWNGRADE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10203 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10203 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $125.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10203 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10204 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR Irregular Transaction | TILA-RESPA Integrated Disclosure - Loan Calculations: APR ofXX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR ofXX% outside ofXX% tolerance. (FinXX/XX/XXXX) | The index type listed on the Note and the Final Closing Disclosure reflects SoFi 30-Day Average. The lowest index rate for this program isXX%. The Approval reflects the index asXX%. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10204 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10204 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $547,957.24 is under disclosed by $177,410.80 compared to the calculated Finance Charge of $725,368.04 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | The index type listed on the Note and the Final Closing Disclosure reflects SoFi 30-Day Average. The lowest index rate for this program isXX%. The Approval reflects the index asXX%. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10204 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10204 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,143,466.94 is under disclosed by $177,410.80 compared to the calculated total of payments of $1,320,877.74 which exceeds the $100.00 threshold. (FinXX/XX/XXXX) | Under-disclosure was resolved on post-closing Disclosure XX/XX/XXXX; however, Letter of Explanation, Proof of Delivery, and Refund check for the under-disclosed equivalent amount were not provided to complete the cure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10204 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10204 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $675.00 exceeds tolerance of $0.00. $675.00 over legal limit. Insufficient or no cure was provided to the borrower. (7507) | Second appraisal fee was added on closing disclosure issued XX/XX/XXXX, with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10204 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10204 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $495.00 exceeds tolerance of $450.00. $45.00 over legal limit. Insufficient or no cure was provided to the borrower. (75215) | HOA fee increased on XX/XX/XXXX Closing Disclosure with no change evident. A cure of $45.00 was not sufficient for all three tolerance violations. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10204 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10204 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $6,376.90 exceeds tolerance of $6,355.00. $21.90 over legal limit. Insufficient or no cure was provided to the borrower. (8304) | Transfer tax fee increased and exceeded tolerance on XX/XX/XXXX Closing Disclosure. A cure of $45.00 was not sufficient for all three tolerance violations. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10204 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10206 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $445.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10206 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10207 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Loan designation updated to "small creditor" on 05/01 |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10207 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10207 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. | Loan designation updated to "small creditor" on 05/01 |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10207 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10207 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Originator Company License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not in approved license status to conduct loan origination activities. | Loan designation updated to "small creditor" on 05/01 |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10207 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10207 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Loan designation updated to "small creditor" on 05/01 |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10207 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10207 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10207 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10208 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing 1040 for year XXXX is missing for S-Corp income. Self-employed income documentation not sufficient |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): Extension for XXXX was not requested however UW provided rationale. XXXX taxes were not due yet due to covid extension. P&L through XXXX XXXX was in the file. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10208 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10208 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10208 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10208 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. (XXXX,XXXX XXXX/S-Corp) | Waterfall due to missing 1040 tax return for year XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): The loan defaulted to standard ATR requirements due to the business tax returns not being signed and dated. The exception will be cleared when the loan meets all ATR requirements.<br>Seller Comment (XX/XX/XXXX): Lease agreement not required because Schedule E was used to document rent and income. Extension for XXXX was not requested however UW provided rationale.<br>Seller Comment (XX/XX/XXXX): XXXX TAX FILING WAS EXTENDED TO MAY DUE TO COVID. XXXX TAXES WERE NOT DUE YET. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10208 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10208 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | The loan defaulted to standard ATR requirements due to the business tax returns not being signed and dated. The exception will be cleared when the loan meets all ATR requirements. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10208 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10208 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Timing | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. | Missing evidence of earlier receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10208 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10208 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10208 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10208 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | CHARM Booklet provided XX/XX/XXXX was not within 3 days of the application XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10208 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10208 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10208 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10208 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan designation updated to "small creditor" on 4/28 |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10208 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10208 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10208 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10208 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Client agrees. XXXXto waive.<br>Seller Comment (XX/XX/XXXX): XXXXto waive<br>Seller Comment (XX/XX/XXXX): XXXXto waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10208 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10208 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing 1040 for year XXXX is missing for S-Corp income. Self-employed income documentation not sufficient | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): Extension for XXXX was not requested however UW provided rationale. XXXX taxes were not due yet due to covid extension. P&L through XXXX XXXX was in the file. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10208 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10211 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10211 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10211 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal dated XX/XX/XXXX missing the evidence of appraisal receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10211 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10211 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10211 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10211 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10211 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10211 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10211 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10211 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing third-party verification dated within 120 calendar days of borrower's self-employment with XXXX. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): For COVID requirements, verification that business was open and active was required within 10 business days prior to the note date. This was not provided in file.<br>Seller Comment (XX/XX/XXXX): No verbal however provided memo concerning this as COVID impacted business. Although not mentioned, it falls into the same category as it was a restaurant. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10211 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10212 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10212 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10212 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | . |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10212 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10212 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Timing | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. | Missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10212 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10212 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10212 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10212 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10212 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10212 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10212 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10212 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX. | Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Business assets already added and funds for reserves are still short.<br>Seller Comment (XX/XX/XXXX): From lender, Business assets being provided to make up for the difference in reserves.<br>Reviewer Comment (XX/XX/XXXX): Insufficient asset to cover reserves required. Exception remains.<br>Seller Comment (XX/XX/XXXX): Agree, short on reserves. Compensating factors - Loan is seasoned over 5 years. Shorter term at 15 years lowering rate with this refi. Excellent credit. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10212 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10212 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Waterfall due to insufficient asset for required reserve of 6 months. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Business assets already added and funds for reserves are still short.<br>Seller Comment (XX/XX/XXXX): From lender, Business assets being provided to make up for the difference in reserves.<br>Reviewer Comment (XX/XX/XXXX): Insufficient asset to cover reserves required. Exception remains.<br>Seller Comment (XX/XX/XXXX): Agree, short on reserves. Compensating factors - Loan is seasoned over 5 years. Shorter term at 15 years lowering rate with this refi. Excellent credit. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10212 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10213 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10213 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10213 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM Disclosure is not provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10213 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10213 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10213 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10213 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10213 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10213 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): LOAN IS OVER 3 YEARS SEASONED. XXXXTO WAIVE/REVIEW |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10213 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10213 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing LOE or school transcript for date XX/XX/XXXX and XX/XX/XXXX. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Seller Comment (XX/XX/XXXX): Seller requests buyer review: Lender did not obtain a gap letter after borrower graduated college and started first job<br>Seller Comment (XX/XX/XXXX): Lender did not obtain a gap letter after borrower graduated college and started first job. XXXXto review<br>Reviewer Comment (XX/XX/XXXX): Appendix Q requires a LOE for any gaps greater than 30 days.<br>Seller Comment (XX/XX/XXXX): Lender did not require a LOE for the short gap after borrower graduated college. Loan is over 5 years seasoned now.<br>Reviewer Comment (XX/XX/XXXX): Please provide gap of employment LOE.<br>Seller Comment (XX/XX/XXXX): ATTACHED DIPLOMA FROM BORROWER GRADUATING SCHOOL. SHE GRADUATED SCHOOL IN XXXX AND STARTED WORK IN XXXX. I DON'T SEE WHY A LOE WOULD BE NEEDED FOR THIS? BUT WILL REQUEST IF XXXREQUIRED IT. ALSO THE GAP BETWEEN BORROWERS JOB STARTED IN XXXX AND NEW JOB IN XXXX IS ONLY 10 DAYS SO A LOE WOULD NOT BE NEEDED XX/XX/XXXXXX/XX/XXXX) |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10213 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10214 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10214 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10216 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Copy of Appraisal not provided 3 business days prior to consummation. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10216 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10216 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10216 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10216 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10216 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10216 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10216 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10216 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement was not found in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10216 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10217 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Loan Estimate not within 3 days of XX/XX/XXXX application. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10217 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10217 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10217 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10217 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $585,055.18 is over disclosed by $395.00 compared to the calculated Amount Financed of $584,660.18 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Disclosure reflects Amount Finance of $585,055.18 but calculated Amount Finance of $584,660.18. Variance $395.00. Lender to provide corrected Closing Disclosure and copy of letter sent to borrower explaining changes. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10217 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10217 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $532,092.93 is under disclosed by $20,627.22 compared to the calculated Finance Charge of $552,720.15 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Disclosure reflects Finance Charge of $585,055.18 but calculated Finance Charge of $584,660.18. Variance = $395.00. Lender to provide corrected Closing Disclosure and copy of letter sent to borrower explaining changes. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10217 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10217 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Loan Estimate delivered XX/XX/XXXX but e-signed on XX/XX/XXXX was not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10217 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10217 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $475.00. $375.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee $850.00 increased on Closing Disclosure XX/XX/XXXX. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10217 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10217 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $210.00 exceeds tolerance of $0.00. $210.00 over legal limit. Insufficient or no cure was provided to the borrower. (7723) | Survey Fee $210.00 was added on Closing Disclosure XX/XX/XXXX. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10217 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10217 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,121,879.68 is under disclosed by $20,232.22 compared to the calculated total of payments of $1,142,111.90 which exceeds the $100.00 threshold. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,121,879.68 is under-disclosed by $20,232.22 compared to the calculated total of payments of $1,142,111.90, which exceeds the $100.00 threshold. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10217 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10217 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $0.00. $395.00 over legal limit. Insufficient or no cure was provided to the borrower. (75215) | HOA condo Fee added XX/XX/XXXX with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10217 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10218 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10218 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10218 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 15,299.35 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | The Hazard Insurance monthly amount is $91.92 and Taxes at $1,296.43 for a monthly total of $1,388.35 or annual amount of $16,660.20. The Closing Disclosure issued on XX/XX/XXXX reflects estimate property costs over year 1 as $15,299.35. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10218 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10218 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Application date is XX/XX/XXXX, earliest Loan Estimate in file is XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Construction-Permanent | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10218 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10218 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing appraisal delivery |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10218 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10218 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10218 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10218 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10218 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10218 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $XXXX based on appraisal value; there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10218 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10218 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall issue due to the 1120s for XXXX and XXXX are not signed and dated, The P&L Statement and Balance Sheets are missing for XXXX and XXXX. Using 2 Year + YTD Average Income. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide balance sheets.<br>Seller Comment (XX/XX/XXXX): all docs uploaded in prior exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10218 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10219 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10219 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10219 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10219 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10219 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10219 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10219 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX was received XX/XX/XXXX with Note date of XX/XX/XXXX missing evidence of waiver. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10219 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10219 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10219 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10219 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10219 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10219 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Seller Comment (XX/XX/XXXX): TIMING OF THE INITIAL CD IS PAST THE SOL. XXXXTO REVIEW<br>Reviewer Comment (XX/XX/XXXX): Initial CD electronically signed, exception remains.<br>Seller Comment (XX/XX/XXXX): loan is past SOL in which this would be needed for timing. all closing docs were hand signed. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10219 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10222 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10222 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10222 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Missing evidence of application date. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10222 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10222 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10222 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10222 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing evidence of application date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10222 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10222 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Missing initial CD. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10222 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10222 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Missing application date |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10222 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10222 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated 0727/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10222 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10222 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing application date |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10222 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10222 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10222 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10222 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10222 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10222 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX. | Assets being used totals $XXXX, including the earnest money of $XXXX. Funds to close, including fee paid outside of closing total $XXXX. Available remaining balance for reserves is $XXXX. Per guides, 8 months is required, requiring $XXXX. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Borrower has verified disposable income of at least $XXXX. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10222 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10223 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10223 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10223 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10223 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10223 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10223 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10223 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10223 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10224 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX |  |  |  |  | Reviewer Comment (XX/XX/XXXX): A final inspection/442 must be completed by an appraiser.<br>Seller Comment (XX/XX/XXXX): ATTACHED FINAL INSPECTION |  |  |  | 3 C | XX/XX/XXXX | XX | Primary | Purchase | C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10224 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10224 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10224 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10224 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129781) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10224 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10224 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (FinXX/XX/XXXX) | Final Closing Disclosure did not disclose estimated property costs. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10224 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10224 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Final Closing Disclosure incorrectly disclosed whether the loan will have escrow or not. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10224 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10224 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed a principal and interest payment that does not match the actual payment. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10224 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10224 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10224 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10224 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10224 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10224 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Lender used higher premium, per approval annual insurance is $XXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10224 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10225 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | New exception generated. Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10225 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10225 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10225 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10225 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10225 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10225 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10225 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10226 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10226 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10226 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10226 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10226 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Loan restated Small Creditor Portfolio Originations Safe Harbor QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10226 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10226 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Loan restated Small Creditor Portfolio Originations Safe Harbor QM |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10226 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10226 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10226 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10228 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10228 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10228 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Initial credit application/initial 1003 was not provided. Unable to verify the application date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10228 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10228 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Initial credit application/initial 1003 was not provided. Unable to verify the application date. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10228 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10228 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing application date |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10228 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10228 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing appraisal delivery within 3 days of closing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10228 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10228 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Loan designation updated to "small creditor" on XX/XX/XXXX |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10228 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10228 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10228 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10228 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10228 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10229 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10229 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10229 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10229 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10229 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10229 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10229 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10229 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10229 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXXX. Provide updated policy or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10229 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10230 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 16,199.64 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10230 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10230 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10230 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10230 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10230 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10230 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10230 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10230 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10230 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10230 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Home Improvement | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10230 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10231 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Only Closing Disclosure in file is datedXX/XX/XXXX with closing date ofXX/XX/XXXXand disbursement date ofXX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10231 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10231 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Evidence the Borrowers received the appraisal at least three business days prior to closing is missing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10231 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10231 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10231 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10231 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10231 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10231 | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide updated 1003 reflecting previous employment with start and end dates.<br>Seller Comment (XX/XX/XXXX): w2 for prior work history was uploaded for documentation<br>Reviewer Comment (XX/XX/XXXX): A two-year employment history is required per guidelines.<br>Seller Comment (XX/XX/XXXX): credit report, 1008, and assets uploaded. lender Obtained W2 for prior employer. No prior VOE obtained as the income was lower and reliance was primarily made on the new employer. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10231 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10231 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to 2 years for employment history is not provided for borrower | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide updated 1003 reflecting previous employment with start and end dates.<br>Seller Comment (XX/XX/XXXX): attaching w2s used to document prior income history<br>Reviewer Comment (XX/XX/XXXX): Guidelines require two-year employment history.<br>Seller Comment (XX/XX/XXXX): credit report, 1008, and assets uploaded. lender Obtained W2 for prior employer. No prior VOE obtained as the income was lower and reliance was primarily made on the new employer. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10231 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10233 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10233 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10233 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $589,481.74 is over disclosed by $1,510.90 compared to the calculated Amount Financed of $587,970.84 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $589,481.74 is over disclosed by $1,510.90 compared to the calculated Amount Financed of $587,970.84 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10233 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10233 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $285,207.00 is under disclosed by $1,510.90 compared to the calculated Finance Charge of $286,717.90 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $285,207.00 is under disclosed by $1,510.90 compared to the calculated Finance Charge of $286,717.90 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10233 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10233 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest will be $0 in 16 years which does not match the actual maximum amount for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10233 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10233 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest will be $0 in 16 years which does not match the actual maximum amount for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10233 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10233 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $475.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $475.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10233 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10234 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Missing for both borrowers. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10234 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10234 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Initial Credit application date is missing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10234 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10234 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Missing the initial application date. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10234 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10234 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | As per Closing Disclosure, the program is fixed rate, but as per note, the interest-only period is only the construction period. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10234 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10234 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 27,534.43 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | As per Closing Disclosure, the program is fixed rate, but as per note, the interest-only period is only the construction period. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10234 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10234 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10234 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10234 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | No evidence that borrower received a copy of appraisal at least 3 business days to closing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10234 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10234 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Total amount of $75.00 exceeds tolerance of $71.50. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10234 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10235 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:842XX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10235 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10235 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10235 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10235 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Payoff statement is missing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10235 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10235 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10235 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10235 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10235 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10235 | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Per guideline, max LTV is 85%. Per approval, loan was approved with XX% LTV; however, a lender-approved exception was provided. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Provide an approved lender exception.<br>Seller Comment (XX/XX/XXXX): Only have approval that was provided. Loan is over 4 years seasoned and paid down below 85% now<br>Reviewer Comment (XX/XX/XXXX): Missing lender exception and compensating factors in file.<br>Seller Comment (XX/XX/XXXX): Exception approved via the Bank's Consumer Loan Committee. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10235 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10236 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10236 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10236 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10236 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10237 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10237 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10237 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10237 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10238 | XXXX | XXXX | XXXX | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | Borrower: XXXX | Borrower is not a US citizen. As per guidelines, required passport, visa, and employer authorization documents were not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Per seller - lender unable to provide<br>Seller Comment (XX/XX/XXXX): Seller requests buyer review: lender unable to provide the green card docs |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10238 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10238 | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Verification of non-US citizen status was not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Per seller - lender unable to provide<br>Seller Comment (XX/XX/XXXX): lender unable to provide |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10238 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10238 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10238 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10239 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10239 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10239 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | No evidence of application date located in file |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10239 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10239 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10239 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10239 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10239 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10239 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing application date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10239 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10239 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10239 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10239 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10239 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10239 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10239 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10239 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10239 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10240 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Loan Estimate documentation delivery acknowledgement states date of initial LE being issuedXX/XX/XXXX which is missing from the file |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10240 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10240 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) | Appraisal effective date is XX/XX/XXXX and report date is XX/XX/XXXX. The date the appraisal was sent to the borrower is XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10240 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10240 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Loan designation updated to "small creditor" on 05/01 |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10240 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10240 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10240 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10240 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Missing the executed purchase agreement an all addenda | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10240 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10242 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX) | The final Closing Disclosure issued onXX/XX/XXXX2 does not reflect the non-escrowed property cost on page 4, |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10242 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10242 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10242 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10242 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10242 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10242 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $545.00 exceeds tolerance of $465.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Appraisal Fee on closing disclosure is $545.00 and on loan estimate $465.00. No Valid Change circumstance in file. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10242 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10243 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | The Closing Disclosure on page 4 reflects every payment as a subsequent change. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10243 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10243 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | As per the Note calculation P&I is reflecting as $XXX however Closing Disclosure reflects $XXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10243 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10243 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Closing Disclosure reflects 1 year Interest Only, 6/6 months Adjustable Rate. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10243 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10243 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129852) | Closing Disclosure reflects 12 Month Interest Only, Adjustable Rate however 1 Year Interest Only, Adjustable Rate. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10243 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10243 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 12,343.65 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | There is a slight difference on Hazard Insurance calculated Insurance is $144.04; however, 1008 reflects $148.46. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10243 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10243 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,498.00 exceeds tolerance of $2,756.00. $742.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points was last disclosed as $2,756.00 on Loan Estimate but disclosed as $3,498.00 on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10243 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10244 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $0.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Transfer Tax was disclosed on initial Loan estimate as $0.00 but disclosed on final Closing Disclosure $0.50. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10244 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10245 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether Homeowners Insurance is included in escrow. (FinXX/XX/XXXX) | Page 1 of CD indicates no insurance escrow, and page 2 does not include escrows collected for hazard insurance. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10245 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10245 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10245 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10245 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10245 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10247 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10247 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10247 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10247 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10247 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10247 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10247 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3133407) | As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10247 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10247 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (FinXX/XX/XXXX) | As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10247 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10247 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Approval reflects DTI 56.63%, which restricts the guideline requirement of 45%. There is no lender-approved exception for higher DTI approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors were used to waive the DTI and allow for Safe Harbor APOR.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Seller Comment (XX/XX/XXXX): uploading to docacuity to view XXXX<br>Reviewer Comment (XX/XX/XXXX): Zoomed in. This is not valid, it is not legible.<br>Seller Comment (XX/XX/XXXX): Disagree that it is not legible. Perhaps zooming in may help but I can read without zooming on the screenshot. It says 'yes' for exception box for DTI exception as well as rate exception. CF/compensating factor is 8 which from the table is temporary situation and comments state short term payment rent during construction. This exception is straight from their origination system under portfolio exception tracking.<br>Reviewer Comment (XX/XX/XXXX): The screen shot provided is not legible. Missing the exception request and approval with valid compensating factors<br>Seller Comment (XX/XX/XXXX): attached exception approval for DTI |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10247 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10247 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Approval reflects DTI 56.63%, which restricts the guideline requirement of 45%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors were used to waive the DTI and allow for Safe Harbor APOR.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Seller Comment (XX/XX/XXXX): uploading to docacuity to view XXXX<br>Reviewer Comment (XX/XX/XXXX): Zoomed in. This is not valid, it is not legible.<br>Seller Comment (XX/XX/XXXX): Disagree that it is not legible. Perhaps zooming in may help but I can read without zooming on the screenshot. It says 'yes' for exception box for DTI exception as well as rate exception. CF/compensating factor is 8 which from the table is temporary situation and comments state short term payment rent during construction. This exception is straight from their origination system under portfolio exception tracking.<br>Reviewer Comment (XX/XX/XXXX): The screen shot provided is not legible. Missing the exception request and approval with valid compensating factors<br>Seller Comment (XX/XX/XXXX): dti exception approval uploaded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10247 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10247 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $278.00 exceeds tolerance of $225.00 plus 10% or $247.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Construction-Permanent | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10247 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10247 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $0.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Construction-Permanent | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10247 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10248 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal completed ""subject to completion"", no 442 or other evidence provided." |  |  |  | Reviewer Comment (XX/XX/XXXX): Client confirms that no additional docs to be provided. Exception to remain open<br>Seller Comment (XX/XX/XXXX): No inspection performed or final COO obtained. Borrowers were living in home while remodel was taking place. Provided final draw and commentary from borrower that home passed inspection however this is not satisfactory but our CTP department confirmed no additional documents. |  |  |  | 3 C | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10248 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10248 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10248 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10248 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Loan product is "12 Month Interest Only, Adjustable Rate" and Closing Disclosure is reflecting "1 Year Interest Only, 11/1 Adjustable Rate". |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10248 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10248 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 13,978.36 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Final Closing Disclosure Estimated Property Costs over Year 1 of 13,978.36 whereas calculated Non- Escrow Amount is $1,270.76. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10248 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10248 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10248 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10248 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10248 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10248 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10248 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10248 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing 2 years signed and dated Tax Returns and/or Profit & Loss statement are not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Loan is being tested accordance with Appendix Q. Per Appendix Q Self-employed consumers must provide most recent YTD quarterly P&L Statement (if 1040s are > 90 days old at application).<br>Seller Comment (XX/XX/XXXX): Per lender, No P and L obtained. Was not requested by the underwriter<br>Reviewer Comment (XX/XX/XXXX): XXXX to XXXX YTD Profit & Loss statement was no provided.<br>Seller Comment (XX/XX/XXXX): Attached personal returns and transcripts...the transcripts are an acceptable alternative to signatures..asking lender on the p&l |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10248 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10249 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10249 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10250 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10250 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10250 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. (Type:PrimaXX/XX/XXXX) | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10250 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10250 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10250 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10250 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): XXXXto review/waive<br>Reviewer Comment (XX/XX/XXXX): Missing the electronic consent for this transaction, grade 3 level exception<br>Seller Comment (XX/XX/XXXX): Loan is over 3 years seasoned past statute of limitations. Exception should be non material. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10250 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10251 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10251 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10251 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10251 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10252 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Missing initial lender's 1003. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10252 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10252 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Missing evidence of receipt of the right to receive a copy of the appraisal disclosure and initial loan estimate. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | Good faith redisclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10252 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10252 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Missing a credit report for both borrowers. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10252 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10252 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10252 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10252 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Missing evidence of initial creditor application date. Compliance tests were run using an application date of XX/XX/XXXX, which is 1 month prior to consummation. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10252 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10252 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10252 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10252 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10252 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10252 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure was not provided to borrower at least three business days prior to closing. Only a final Closing Disclosure was provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10252 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10252 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $3,931.00 may be required. | No Loan Estimates provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10252 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10252 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10252 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10252 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) not provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10252 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10252 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10252 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10252 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10252 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10254 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal completed "subject to completion", no 442 or other evidence provided. |  |  |  | Reviewer Comment (XX/XX/XXXX): A final inspection/442 must be completed by an appraiser.<br>Seller Comment (XX/XX/XXXX): ATTACHED FINAL INSPECTION |  |  |  | 3 C | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10254 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10254 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Principal & Interest on year 1 in final Closing Disclosure does not match the calculated Principal & Interest of $590.28. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10254 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10254 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure product 1 year only, 8/1 Adjustable rate does not match the calculated product of 12 months interest only, Adjustable Rate. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10254 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10254 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3133355) | Principal & Interest on year 1 in final Closing Disclosure does not match the calculated Principal & Interest of $590.28. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10254 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10254 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 8,066.63 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Final Closing Disclosure page 1 reflects $733.33 Estimated Taxes, Insurance & Assessments, which is more than the calculated value of $657.83. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10254 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10255 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Credit Report Fee $63.00 changed to $67.40. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10255 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10256 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10256 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10256 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10256 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10257 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10257 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10257 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10257 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10257 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10257 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10257 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10257 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10257 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10257 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10258 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Re-stated to Non-QM |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10258 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10258 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Re-stated to Non-QM |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10258 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10258 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10258 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10258 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): XXXXto waive/review |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10258 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10258 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $760.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes | CMLTI 2026-1-10258 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10258 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing a Verbal Verification of Self-Employment and/or business existence within ten days of closing | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): VOE not within guideline time frame. exception to remain open<br>Seller Comment (XX/XX/XXXX): LENDER ONLY HAS THE VOE FROM XX/XX/XXXX22 WHICH IS WITHIN 30 DAYS MEETING APPENDIX Q BUT NOT THE LENDER'S GUIDE OF 10 DAYS. NO EXCEPTION MADE. VOE WITHIN 30 DAYS WAS ACCEPTABLE TO THEM AND MET APPENDIX Q. XXXXTO REVIEW<br>Reviewer Comment (XX/XX/XXXX): Per guidelines provided at review for self employment " Verbal Verification of Employment and/or business existence within ten days of closing."<br>Seller Comment (XX/XX/XXXX): SELF EMPLOYED. 3RD PARTY WITHIN 30 DAYS UPLOADED. 10 DAY IS NOT REQUIRED ON SELF EMPLOYED BORROWERS |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10258 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10259 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Originator Company License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not in approved license status to conduct loan origination activities. | NMLS consumer access site information for loan origination company status is unavailable to verify status. Presently indicates inactive. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10259 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10259 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10259 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10259 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10259 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10259 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Exception Detail was updated on XX/XX/XXXX. Prior Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10259 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10259 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10259 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10259 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10259 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10259 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Missing at time of application, XXXXto review.<br>Seller Comment (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED. XXXXTO WAIVE/REVIEW |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10259 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10260 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX) | Non-escrowed property costs, HOA dues of $350.00 added as per the appraisal report. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10260 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10260 | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Homeowners insurance policy has an effective date of XX/XX/XXXX and stated after the loan closed on XX/XX/XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Seller Comment (XX/XX/XXXX): XXXXTO REVIEW/WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10260 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10261 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Cure provided from Final CD |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10261 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10262 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXX/17060599) | While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX and XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status.<br> As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10262 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10262 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $700.00 exceeds tolerance of $600.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Appraisal fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10262 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10262 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXXX // Account Type: Stocks / Account Number: XXXX | XX/XX/XXXX to XX/XX/XXXX statement provided; Guidelines required two months of consecutive statements. Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10262 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10262 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing prior employment VVOE; two-year verification required. Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10262 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10262 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | XX/XX/XXXX to XX/XX/XXXX statement provided; Guidelines required two months of consecutive statements. Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10262 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10263 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10263 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10263 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10263 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10264 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $98.40 exceeds tolerance of $67.00. $31.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | TRID Zero Percent Tolerance Violation without sufficient Provided, |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10264 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10265 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. $23.50 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Recording fee increased on Closing Disclosure dated XX/XX/XXXX with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10265 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10265 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-641.50 exceeds tolerance of $-665.00. Insufficient or no cure was provided to the borrower. (9300) | Lender credit decreased on Closing Disclosure dated XX/XX/XXXX with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10265 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10265 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Verification of appraisal was delivered to borrower not provided in file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10265 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10265 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10265 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10265 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10265 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10265 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Verification of employment is missing. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide VOE for current primary employment contemporary XXXX.<br>Seller Comment (XX/XX/XXXX): THE VVOE UPLOADED WAS FOR XXXXWHO IS THE COBORROWER. BORROWER DIDN'T HAVE ANY INCOME. UPLOADING VVOE AGAIN<br>Reviewer Comment (XX/XX/XXXX): Please provide VVOE for Co Borrower.<br>Seller Comment (XX/XX/XXXX): ATTACHED 10 DAY VVOE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10265 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10265 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX 1040 (XXXX), 1040 (XXXX), VVOE - Employment Only | Verbal Verification of Employment dated prior to closing not found in loan file. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide VOE for current primary employment contemporary XXXX.<br>Seller Comment (XX/XX/XXXX): ATTACHING THE VVOE AGAIN FOR XXXXWHO IS THE COBORROWER<br>Reviewer Comment (XX/XX/XXXX): Please provide VVOE for Co Borrower.<br>Seller Comment (XX/XX/XXXX): 10 DAY VVOE ATTACHED ON PRIOR EXCEPTION |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10265 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10265 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall for missing VVOE, 2 years of 1040s, and all REO documents for XXXX. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide VOE for current primary employment contemporary XXXX.<br>Seller Comment (XX/XX/XXXX): docs uploaded for these two items (no hoa for the reo)<br>Reviewer Comment (XX/XX/XXXX): Please provide HOA verification and VOE for co borrower.<br>Seller Comment (XX/XX/XXXX): all docs uploaded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10265 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10266 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal transfer letter not provided in file |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10266 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10266 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10266 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10266 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10266 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10266 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10266 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10266 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10266 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10266 | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXXis less than Cash From Borrower $XXX. | Statements for XXXXprovided. Documented qualifying Assets for Closing of $XXXis less than Cash from Borrower $XXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Statements for XXXXprovided. Documented qualifying Assets for Closing of $XXXis less than Cash from Borrower $XXX.<br>Seller Comment (XX/XX/XXXX): attached XXXXstatements |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10266 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10267 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor qualifying housing ratio discrepancy. | Calculated investor qualifying housing ratio of XX% exceeds Guideline housing ratio of XX%. | The front end DTI is 35.24% and guides max is 35%. Please provide an approval with compensating factors for it to be waived and downgraded. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | CMLTI 2026-1-10267 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10269 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Loan file is missing the state tangible net benefit disclosure. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10269 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10270 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10270 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10270 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10270 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10270 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10270 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10270 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10270 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10270 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Missing the consent for this transaction. material exception.<br>Seller Comment (XX/XX/XXXX): loan is over 5 years seasoned past the statute of limitations. Exception should be non material. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10270 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10271 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $97.40 exceeds tolerance of $67.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10271 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10272 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10272 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10272 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10272 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10272 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10272 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10272 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10272 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10274 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report datedXX/XX/XXXX was receivedXX/XX/XXXX with Note date ofXX/XX/XXXX. Loan file is missing an appraisal waiver. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10274 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10275 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10275 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10275 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10275 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10275 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10275 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10275 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10275 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10275 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10275 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10275 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | The title does not have both borrower's vested as shown on the security instrument. Please provide the Deed transferring the title to both borrowers. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10275 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10277 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10277 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10277 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10277 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10277 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10277 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10277 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10277 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10278 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | AbilitXX/XX/XXXXpay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (XXXX/Schedule C) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10278 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10278 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (XXXX/Schedule C) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10278 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10278 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (XXXX/Schedule C) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10278 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10278 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10278 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10278 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10278 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10278 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10278 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10278 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10278 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10278 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing third party verification of employment for self-employed income. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): A VVOE would be required for XXXX.<br>Seller Comment (XX/XX/XXXX): No 3rd party verification obtained for XXXX. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10278 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10279 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10279 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10279 | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10279 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10282 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest payment that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10282 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10282 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3133802) | Projected Payments section (pg 1): Principal & Interest Min (paystream 1) does not match the actual P&I. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10282 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10282 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 7,436.00 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Amount of Estimated Property Costs over Year 1 of $7,436.00 on Final Closing Disclosure provided on XX/XX/XXXX is overdisclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10282 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10282 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXXX. Provide verification of policy with sufficient coverage or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Hazard insurance binder dated XX/XX/XXXX shows dwelling coverage $XXXX however loan amount is $XXXX.<br>Seller Comment (XX/XX/XXXX): insurance in file covers loan amount |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10282 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10283 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal proof of receipt is not provided |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10283 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10283 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10283 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10283 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10283 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10283 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10283 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10283 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10283 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10283 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10283 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10284 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | An approved lender exception was provided for DTI at 59.9%. However, the lender-approved exception does not indicate the DTI percentage, and compensating factors were not selected. Documentation for other expense $XXXX is missing in file for XXXX | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $XXXX. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The exception tracking document does not contain a date or the compensating factors for the exception.<br>Reviewer Comment (XX/XX/XXXX): Waived in error.<br>Reviewer Comment (XX/XX/XXXX): Lender approved exception.<br>Seller Comment (XX/XX/XXXX): attached dti exception approval |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10284 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10284 | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A lender-approved exception is in file for DTI. However, the lender-approved exception does not indicate the DTI percentage, and compensating factors were not selected. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $XXXX. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The exception tracking document does not contain a date or the compensating factors for the exception.<br>Reviewer Comment (XX/XX/XXXX): Waived in error.<br>Reviewer Comment (XX/XX/XXXX): Lender approved exception.<br>Seller Comment (XX/XX/XXXX): attached dti exception approval |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10284 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10284 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Re-stated to Non-QM |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10284 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10284 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Re-stated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10284 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10284 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10284 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10284 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes | CMLTI 2026-1-10284 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10284 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of 60.04% significantly exceed the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Re-stated to Non-QM | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Originator Pre-Close,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10284 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10285 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $604,101.77 is under disclosed by $26,815.11 compared to the calculated Finance Charge of $630,916.88 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $604,101.77 is under disclosed by $26,815.11 compared to the calculated Finance Charge of $630,916.88 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX) |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10285 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10285 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,309,784.42 is under disclosed by $26,815.11 compared to the calculated total of payments of $1,336,599.53 which exceeds the $100.00 threshold. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $1,309,784.42 is under disclosed by $26,815.11 compared to the calculated total of payments of $1,336,599.53 which exceeds the $100.00 threshold. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10285 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10285 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10285 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10285 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3129833) | Final Closing Disclosure provided on XX/XX/XXXX reflects a monthly escrow payment that does not match the actual escrow payment for the loan due to the MI payment being added. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10285 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10285 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1 | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed $0.00 instead of a '-' in the payment stream on a loan containing Mortgage Insurance. (ProjSeq:3/3129834) | Final Closing Disclosure provided on XX/XX/XXXX reflects a monthly escrow payment that does not match the actual escrow payment for the loan due to the MI payment being added. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10285 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10285 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1 | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed $0.00 instead of a '-' in the payment stream on a loan containing Mortgage Insurance. (ProjSeq:4/3129835) | Final Closing Disclosure provided on XX/XX/XXXX reflects a monthly escrow payment that does not match the actual escrow payment for the loan due to the MI payment being added. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10285 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10285 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose the Monthly Escrow Payment for the loan, as the required payments are not escrowed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10285 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10285 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided within three (3) days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10285 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10285 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10285 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10285 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose the Monthly Escrow Payment for the loan, as the required payments are not escrowed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10285 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10285 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129832) | Final Closing Disclosure dated XX/XX/XXXX2 reflects Non-Escrowed Property Costs of 0.00 for Year 1, due to the required payments are not escrowed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10285 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10286 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10286 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10286 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation, Re-Disclose Correct Information A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10286 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10286 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 8,526.65 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Loan Disclosures: Amount of Estimated Property Costs over Year 1 of $8,526.65 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10286 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10286 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | No Defined Cure A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10286 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10286 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right of Rescission Disclosure is missing from file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10286 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10286 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal was made subject to, and 442 is not in images. |  |  |  | Reviewer Comment (XX/XX/XXXX): No final inspection, exception will remain open.<br>Seller Comment (XX/XX/XXXX): only have COO - no final inspection per lender<br>Reviewer Comment (XX/XX/XXXX): Missing property inspection with pictures<br>Seller Comment (XX/XX/XXXX): attached certificate of occupancy |  |  |  | 3 C | XX/XX/XXXX | XX | Primary | Construction-Permanent | C A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10286 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10286 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | C A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10286 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10286 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | C A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10286 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10286 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | C A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10286 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10286 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $104.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $104.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Construction-Permanent | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10286 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10287 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Minimum Interest Rate | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. (FinXX/XX/XXXX) | The CD dated XX/XX/XXXX indicates a max payment in year 8 of $3,626.00. The Note and Arm Disclosure indicate the loan is fixed through year 8. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10287 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10287 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3145167) | The final closing disclosure dated XX/XX/XXXX reflects minimum and maximum whole figures and not the exact figures. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10287 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10287 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3145168) | The final closing disclosure dated XX/XX/XXXX reflects minimum and maximum whole figures and not the exact figures. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10287 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10287 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3145169) | The final closing disclosure dated XX/XX/XXXX reflects minimum and maximum whole figures and not the exact figures. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10287 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Missing evidence of receipt of the right to receive a copy of the appraisal disclosure and LE. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | Good faith redisclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | XX/XX/XXXX CD indicates a total in section G for the initial escrow payment at closing of $1,178.64; however, the Initial Escrow Account Disclosure reflects an initial deposit of $2,473.06. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3143020) | Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment $589.32 for payment stream 2 that does not match the actual payment for the loan $1,236.54. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3143021) | Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment $589.32 for payment stream 3 that does not match the actual payment for the loan $1,236.54. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3143022) | Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment $589.32 for payment stream 4 that does not match the actual payment for the loan $1,236.54. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3143019) | Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment $589.32 for payment stream 1 that does not match the actual payment for the loan $1,236.54. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (FinXX/XX/XXXX) | Monthly Escrow Payment $589.32 that does not match the actual escrow payment for the loan.1,236.54. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $3,908.50 may be required. | No Loan Estimates provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | A YTD Paystub, 2 year's W2's, signed and dated 4506C and pre closing VVOE are missing. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Letter states contingent upon approval of assistant dean and faculty affairs which isn't in file.<br>Seller Comment (XX/XX/XXXX): attached employment offer letter which shows raise in borrower income to $XXXX academic base and$XXXX in academic supplement to startXXXX. Lender only used $XXXX to qualify the borrower.<br>Reviewer Comment (XX/XX/XXXX): UpdatedXX/XX/XXXX income docs reflect much lower income than used to qualify.<br>Seller Comment (XX/XX/XXXX): INCOME DOCS LOADED |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | AddedXX/XX/XXXX income documentation reflect much lower income than qualified. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Letter states contingent upon approval of assistant dean and faculty affairs which isn't in file.<br>Seller Comment (XX/XX/XXXX): attached employment offer letter which shows raise in borrower income to $XXXX academic base and$XXXX in academic supplement to startXXXX. Lender only used $XXXX to qualify the borrower. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10288 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10289 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX) | Note reflects index as US Treasury - 1 Year CMT (Weekly), whereas Final Closing Disclosure reflects SOFR 30 Day Average. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10289 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Product on final Closing Disclosure is not the same loan product as disclosed in the note. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10291 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3131789) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10291 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3131790) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 3 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10291 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3131791) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10291 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10291 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3131788) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10291 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,825.00 exceeds tolerance of $1,625.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. (7334) | Valid Change of Circumstance for the fee increase was not provided or a sufficient cure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10291 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $400.00. $350.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Valid Change of Circumstance for the fee increase was not provided or a sufficient cure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10291 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $410.00 exceeds tolerance of $300.00. $110.00 over legal limit. Insufficient or no cure was provided to the borrower. (75174) | Valid Change of Circumstance for the fee increase was not provided or a sufficient cure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10291 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Deed Preparation Fee. Fee Amount of $XXXX exceeds tolerance of $0.00. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (77231) | Valid Change of Circumstance for the fee increase was not provided or a sufficient cure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10291 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $0.50 exceeds tolerance of $0.00. $0.50 over legal limit. Insufficient or no cure was provided to the borrower. (8304) | Valid Change of Circumstance for the fee increase was not provided or a sufficient cure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10291 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of 1,507.66 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Per Closing Disclosure, Mortgage Insurance is escrowed and shows monthly payments on payment stream, when Mortgage Insurance is a lump sum and not financed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10291 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 15,112.13 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Per Closing Disclosure, Mortgage Insurance is escrowed and shows monthly payments on payment stream, when Mortgage Insurance is a lump sum and not financed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10291 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Product on final Closing Disclosure is not the same loan product as disclosed in the note. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10291 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Page 4 of Closing Disclosure states Mortgage Insurance is being escrowed; however, page 1 of Closing Estimate does not show it being escrowed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10291 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3131788) | Page 4 of Closing Disclosure states Mortgage Insurance is being escrowed; however, page 1 of Closing Estimate does not show it being escrowed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10291 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10292 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing receipt of XX/XX/XXXX report, receipt of earlier report was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10292 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10292 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX) | The earliest dated E-Consent is XX/XX/XXXX which was after the date of the initial Loan Estimate provided electronically issued XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10292 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10292 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10292 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10292 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Payment Shock exceeds credit guidelines. | Payment Shock: XX% | Payment Shock: XX%. Guidelines indicate total housing expense increase may not exceed 35%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Seller Comment (XX/XX/XXXX): XXXXto review - not a QM or ATR exception. Per lender, the payment shock in the guideline is for borrowers with a rent payment prior not for current homeowner.<br>Reviewer Comment (XX/XX/XXXX): Guides do not say increase cap applies only to borrowers who previously rented, exception remains.<br>Seller Comment (XX/XX/XXXX): Per lender, payment shock is for borrowers that had a rent payment. borrower was a current home owner and this would not apply to them |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10292 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10294 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $XXXX. $325.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $XXXX. $325.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10294 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10295 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10295 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10295 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10295 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10295 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,183.00 exceeds tolerance of $1,821.00 plus 10% or $2,003.10. $179.90 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $2,183.00 exceeds tolerance of $1,821.00 plus 10% or $2,003.10. $179.90 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10295 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10295 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments. (FinXX/XX/XXXX) | Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10295 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10295 | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Homeowners insurance policy has an effective date of XX/XX/XXXX and started after the loan funded on XX/XX/XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10295 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10297 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10297 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10297 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10297 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10297 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10297 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10297 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10297 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10297 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10297 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10298 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10298 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10298 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10298 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10298 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $XXXX, based on hazard insurance coverage of $XXXX, and lender replacement cost estimate $XXXX there is a shortall of $XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10298 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10299 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10299 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10299 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10299 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10299 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10299 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10299 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10299 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10299 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Timing | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. | Missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10299 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10299 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10299 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10299 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10299 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10299 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $129.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10299 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10300 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose a reason for not having an escrow account on page 4. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10300 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10300 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing evidence of appraisal delivery. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10300 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10300 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10300 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10300 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10300 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10302 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report date XX/XX/XXXX missing evidence of receipt |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10302 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10302 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10302 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10302 | XXXX | XXXX | XXXX | Credit | Note | General | Note | Loans with an application date after XXXX using a LIBOR Index are not Agency Salable. | Index: LIBOR - 1 Year (Daily); Note Date: XX/XX/XXXX |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10302 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10302 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 10,277.30 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 10,277.30 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10302 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10302 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10302 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10302 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10302 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10302 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. Sufficient or excess cure was provided to the borrower at Closing. (7580) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10302 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10302 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance Coverage is insufficient by $XXXX. There Is no evidence of extended coverage or insurer's estimate of replacement cost provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10302 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Partnership Test | AbilitXX/XX/XXXXpay (Dodd-Frank 2014): Unable to verify current Partnership status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing: XXXXted/Third Party P&L, CPA Letter, or other Third Party Verification. (XXXX/Partnership) | Third-party verification for primary borrower's self-employment was missing from loan documents. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): The lender exception does not show evidence of approval and lists multiple reasons why it was originally declined. Additional assets provided, but the compensating factors and lender exception approval were not updated to note the compensating factors, exception remains.<br>Seller Comment (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only XXXX income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Partnership Test | AbilitXX/XX/XXXXpay (Dodd-Frank 2014): Unable to verify current Partnership status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing: XXXXted/Third Party P&L, CPA Letter, or other Third Party Verification. (XXXX/Partnership) | Third-party verification for primary borrower's self-employment was missing from loan documents. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): The lender exception does not show evidence of approval and lists multiple reasons why it was originally declined. Additional assets provided, but the compensating factors and lender exception approval were not updated to note the compensating factors, exception remains.<br>Seller Comment (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only XXXX income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Partnership Test | AbilitXX/XX/XXXXpay (Dodd-Frank 2014): Unable to verify current Partnership status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing: XXXXted/Third Party P&L, CPA Letter, or other Third Party Verification. (XXXX/Partnership) | Third-party verification for primary borrower's self-employment was missing from loan documents. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): The lender exception does not show evidence of approval and lists multiple reasons why it was originally declined. Additional assets provided, but the compensating factors and lender exception approval were not updated to note the compensating factors, exception remains.<br>Seller Comment (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only XXXX income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less 25% | Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (XXXX/Schedule K-1 less than 25 Percent) | Third-party verification for primary borrower's self-employment was missing from loan documents. |  |  |  | Reviewer Comment (XX/XX/XXXX): Restated to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): The lender exception does not show evidence of approval and lists multiple reasons why it was originally declined. Additional assets provided, but the compensating factors and lender exception approval were not updated to note the compensating factors, exception remains.<br>Seller Comment (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only XXXX income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | File is missing an additional month's bank statement for account #XXXX. Guidelines require two months of bank statements, and the file only has a statement dated XX/XX/XXXX to XX/XX/XXXX. Short funds to close and reserves. 1003 and approval used $XXXX in assets, which is not sufficient to cover the required reserve.<br> Mortgage statement provided was not provided. Unable to confirm PITIA for XXXX. <br> Missing signed tax returns for 2 years for XXXX and Missing 3rd party verification.<br> Missing signed tax returns for 2 years for XXXX and Missing 3rd party verification.<br>File is missing verbal verification of employment for borrower's self-employed businesses: XXXX<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income. Our calculated figures:<br> Subject Mortgage P&I $XXXX.<br> Hazard Insurance $XXXX.<br> Mortgage Insurance $n/a.<br> Real Estate Tax $XXXX.<br> HOA Due $ n/a.<br> PTITA total $XXXX.<br> Investment REO Negative Cash $XXXX<br> Credit Debt $XXXX.<br> Income $XXXX<br> Calculated DTI 52.18%. Guides max DTI 48.00%. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (XX/XX/XXXX): The lender exception does not show evidence of approval and lists multiple reasons why it was originally declined. Additional assets provided, but the compensating factors and lender exception approval were not updated to note the compensating factors, exception remains.<br>Seller Comment (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only 2018 income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Payment stream 2 of Final Closing Disclosure reflects a payment of $2,155.41, but the actual payment is $700.00. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Payment stream 2 of Final Closing Disclosure reflects a payment of $2,155.41, but the actual payment is $700.00. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Qualify at start rate (Note Rate). |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Payment stream 1 of Final Closing Disclosure reflects a payment of $1,423.33, but the actual payment is $700.00. Calculation: ($XXXX / 2) x 3.5% = $8,400.00 / 12 = $700.00. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation, Re-Disclose Correct Information B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3130033) | Payment stream 1 of Final Closing Disclosure reflects a payment of $1,423.33, but the actual payment is $700.00. Calculation: ($XXXX / 2) x 3.5% = $8,400.00 / 12 = $700.00. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 5,414.75 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Page four of Final Closing Disclosure reflects property costs of $5,414.75. Actual property costs are $5,382.60. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | File is missing an additional month's bank statement for account #XXXX. Guidelines require two months of bank statements, and the file only has a statement dated XX/XX/XXXX to XX/XX/XXXX. Short funds to close and reserves. 1003 and approval used $XXXX in assets, which is not sufficient to cover the required reserve.<br> Mortgage statement provided was not provided. Unable to confirm PITIA for XXXX. <br> Missing signed tax returns for 2 years for XXXX and Missing 3rd party verification.<br> Missing signed tax returns for 2 years for XXXX and Missing 3rd party verification.<br>File is missing verbal verification of employment for borrower's self-employed businesses: XXXX<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income. Our calculated figures:<br> Subject Mortgage P&I $XXXX.<br> Hazard Insurance $XXXX.<br> Mortgage Insurance $n/a.<br> Real Estate Tax $XXXX.<br> HOA Due $ n/a.<br> PTITA total $XXXX.<br> Investment REO Negative Cash $XXXX<br> Credit Debt $XXXX.<br> Income $XXXX<br> Calculated DTI 52.18%. Guides max DTI 48.00%. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): The lender exception does not show evidence of approval and lists multiple reasons why it was originally declined. Additional assets provided, but the compensating factors and lender exception approval were not updated to note the compensating factors, exception remains.<br>Seller Comment (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only XXXX income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Tax Verification | Mortgage statement provided was not provided. Unable to confirm PITIA for XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Statement, Tax Verification<br>Reviewer Comment (XX/XX/XXXX): Credit report in file, tax verification required.<br>Seller Comment (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only XXXX income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | File is missing an additional month's bank statement for account #XXXX. Guidelines require two months of bank statements, and the file only has a statement dated XX/XX/XXXX to XX/XX/XXXX. Short funds to close and reserves. 1003 and approval used $XXXX in assets, which is not sufficient to cover the required reserve. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): File is missing an additional month's bank statement for account #XXXX. Compensating factors not provided.<br>Seller Comment (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only 2018 income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing verbal verification of employment for borrower's self-employed businesses: XXXX Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income. File is missing verbal verification of employment for borrower's self-employed businesses: XXXX, XXXX LLC, XXXX LLC and XXXX, LLC.<br> Missing signed tax returns for 2 years for XXXX and Missing 3rd party verification.<br> Missing signed tax returns for 2 years for XXXX and Missing 3rd party verification. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): The lender exception does not show evidence of approval and lists multiple reasons why it was originally declined. Additional assets provided, but the compensating factors and lender exception approval were not updated to note the compensating factors, exception remains.<br>Seller Comment (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only XXXX income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception in the file for DTI exceeding the maximum allowed of 43%. DTI not to exceed 48%. DTI is 43.29%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Lender Exception with Compensating Factors provided. Downgraded and Waived. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Income for XXXX (2 Year Average Income).<br> Income for XXXX, LLC $-52.08 (1 Year Average Income).<br> Income for XXXX $52.00. (2 Year Average Income).<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Our calculated figures:<br> Subject Mortgage P&I $XXXX.<br> Hazard Insurance $XXXX.<br> Mortgage Insurance $n/a.<br> Real Estate Tax $XXXX.<br> HOA Due $ n/a.<br> PTITA total $XXXX.<br> Investment REO Negative Cash $XXXX<br> Credit Debt $XXXX.<br> Income $XXXX<br> Calculated DTI 52.18%. Guides max DTI 48.00%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): The lender exception does not show evidence of approval and lists multiple reasons why it was originally declined. Additional assets provided, but the compensating factors and lender exception approval were not updated to note the compensating factors, exception remains.<br>Seller Comment (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only XXXX income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Non QM DTI significantly exceeds Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the 1026.43(c)(5) of 55.34% significantly exceeds the guideline maximum of 48.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Income for XXXX (2 Year Average Income).<br> Income for XXXX, LLC $-52.08 (1 Year Average Income).<br> Income for XXXX $52.00. (2 Year Average Income).<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Income for XXXX. (1 Year Average Income, declining in XXXX vs XXXX). No documentation in loan file to use 2 year average income.<br> Our calculated figures:<br> Subject Mortgage P&I $XXXX.<br> Hazard Insurance $XXXX.<br> Mortgage Insurance $n/a.<br> Real Estate Tax $XXXX.<br> HOA Due $ n/a.<br> PTITA total $XXXX.<br> Investment REO Negative Cash $XXXX<br> Credit Debt $XXXX.<br> Income $XXXX<br> Calculated DTI 52.18%. Guides max DTI 48.00%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): The lender exception does not show evidence of approval and lists multiple reasons why it was originally declined. Additional assets provided, but the compensating factors and lender exception approval were not updated to note the compensating factors, exception remains.<br>Seller Comment (XX/XX/XXXX): 1. Provided statements for account. Also provided Exception approval for lack of reserves and some others. 2. Lien on XXXX was a HELOC so just the credit report was used to support the payment and not a mortgage statement. 3. Signed tax returns were not obtained for XXXX. Just the K1s that I uploaded. Also 3rd party verification not obtained. 4. No income included for XXXX so returns not provided. 5. No verbals obtained for business listed. Only one provided was for XXXX. 6. Only 2018 income was used based on Self Employed income analysis. I have included this. Most recent year used due to declining. 7. UW opted for a 2 year average based on SE worksheet which I provided. 8. Same answer for number 7. provided exception approval for loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX | Missing 2 consecutive months for 401k. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10305 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10306 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10306 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10306 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10306 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10306 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10306 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10307 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10307 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10307 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Missing initial 1003, unable to determine loan application for testing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10307 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10307 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Missing initial 1003, unable to determine loan application for testing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10307 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10307 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing initial 1003, unable to determine loan application for testing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10307 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10307 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | Missing initial 1003, unable to determine loan application for testing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10307 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10307 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10307 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10307 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10307 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10307 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10307 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10309 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10309 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10309 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing letter of explanation for gap in employment of more than 30 days. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): A Wikipedia site is not valid to confirm a gap.<br>Seller Comment (XX/XX/XXXX): from lender - One was not obtained due to the fact he was a public figure and gap could be documented thru media outlets.<br>Reviewer Comment (XX/XX/XXXX): Please provide signed letter of explanation.<br>Seller Comment (XX/XX/XXXX): Complete. Borrower is a XXXX. The gap would be due to his appointment by then XXXX and XXXX. See Wikepedia history. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10309 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10309 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing letter of explanation for gap in employment of more than 30 days. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (XX/XX/XXXX): A Wikipedia site is not valid to confirm a gap.<br>Seller Comment (XX/XX/XXXX): from lender - One was not obtained due to the fact he was a public figure and gap could be documented thru media outlets.<br>Reviewer Comment (XX/XX/XXXX): Please provide signed letter of explanation.<br>Seller Comment (XX/XX/XXXX): Complete. Borrower is a XXXX. The gap would be due to his appointment by then XXXX and XXXX. See Wikepedia history. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10309 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10309 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10309 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10309 | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing letter of explanation for gap in employment of more than 30 days. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: XX%<br> Guideline Maximum Loan to Value: XX%<br>DTI: XX% <br> Guideline Maximum DTI: XX% | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): A Wikipedia site is not valid to confirm a gap.<br>Seller Comment (XX/XX/XXXX): from lender - One was not obtained due to the fact he was a public figure and gap could be documented thru media outlets.<br>Reviewer Comment (XX/XX/XXXX): Please provide signed letter of explanation.<br>Seller Comment (XX/XX/XXXX): Complete. Borrower is a XXXX. The gap would be due to his appointment by then XXXX and XXXX. See Wikepedia history. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10309 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10309 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing letter of explanation for gap in employment of more than 30 days. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: XX%<br> Guideline Maximum Loan to Value: XX%<br>DTI: XX% <br> Guideline Maximum DTI: XX% | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): A Wikipedia site is not valid to confirm a gap.<br>Seller Comment (XX/XX/XXXX): from lender - One was not obtained due to the fact he was a public figure and gap could be documented thru media outlets.<br>Reviewer Comment (XX/XX/XXXX): Please provide signed letter of explanation.<br>Seller Comment (XX/XX/XXXX): Complete. Borrower is a XXXX. The gap would be due to his appointment by then XXXX and XXXX. See Wikepedia history. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10309 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10309 | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to close in Trust. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | DTI: XX% <br> Guideline Maximum DTI: XX%<br>Loan to Value: XX%<br> Guideline Maximum Loan to Value: XX% | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Lender Exception with Compensating Factors provided. Downgraded and Waived. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10309 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10310 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10310 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10310 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10310 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10310 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 8,901.09 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Amount of Estimated Property Costs over Year 1 of 8,901.09 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10310 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10310 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final closing disclosure page (4) subsequent changes do not match the terms of the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10310 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10310 | XXXX | XXXX | XXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $456,000.00 is less than the note amount of $XXXX based on the Commitment in file. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10310 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10310 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10310 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10310 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10310 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10310 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. Sufficient or excess cure was provided to the borrower at Closing. (7580) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10310 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10310 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Waterfall finding due to the calculated DTI of XX% is exceeding guidelines DTI of 43% due to missing supporting documentation for the sale of residing residence once the subject property is built. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): AVM and current balance reflect Equity of 29.53%, exception remains.<br>Seller Comment (XX/XX/XXXX): due to the fact this income will be for life, 1099 statements for pension are sufficient documentation per agency guidelines to document pension. Providing however this is probably similar to what you have. AVM was used along with a Real Estate agent opinion of market to determine 30% equity. Listing was used to support the equity. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10310 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10310 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Award letter was not provided for borrower pension income. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Per Appendix Q testing we require the award letter, two months of receipt and document three years of continuation, which were missing from the loan file. Exception remains.<br>Seller Comment (XX/XX/XXXX): due to the fact this income will be for life, 1099 statements for pension are sufficient documentation per agency guidelines to document pension. Providing however this is probably similar to what you have. AVM was used along with a Real Estate agent opinion of market to determine 30% equity. Listing was used to support the equity. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10310 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10312 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10312 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10312 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | The calculated Product is 12 Month Interest Only, Adjustable Rate, and the Product listed on the Closing Disclosure issued on XX/XX/XXXX is 1 Year Interest Only, 11/6 Adjustable Rate. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10312 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10312 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 9,725.65 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | The Final 1003 reflects the Hazard Insurance monthly amount is $100.00, and the Taxes monthly amount as $784.15, along with the HOA monthly amount of $38.00. This is a monthly total of $922.15 and annually of $11,065.80. The Closing Disclosure issued on XX/XX/XXXX reflects the Estimated Property Costs over Year 1 as $9,725.65. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10312 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10312 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10312 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10312 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Application date is XX/XX/XXXX; earliest Loan Estimate in file is XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10312 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10312 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10312 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10312 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10312 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10312 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10312 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10313 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10313 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10313 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $481,862.75 is over disclosed by $395.00 compared to the calculated Amount Financed of $481,467.75 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Disclosed Amount Financed are $481,467.75. Due Diligence Amount Financed are $481,862.75. There is a variance of $395.00. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10313 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10313 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $235,678.24 is under disclosed by $395.00 compared to the calculated Finance Charge of $236,073.24 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Disclosed Finance Charges are $236,073.24. Due Diligence Finance Charges are $235,678.24. There is a variance of -$395.00. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10313 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10313 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10313 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10313 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10313 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10313 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10313 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10313 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75178) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10313 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10313 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $325.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10313 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10314 | XXXX | XXXX | XXXX | Credit | Data Verification | General | Data Verification | The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio. | Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | Investor's qualifying DTI is less due to P&I mismatch. Lender P&I based on P&I at $XXXX. Due Diligence Calculation of $XXXX. HOA of $XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10314 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10314 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10314 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10315 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Condo Cert. Fee Amount of $395.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. (7543) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10315 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10316 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10316 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10316 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Missing evidence of receipt of the right to receive a copy of the appraisal disclosure and LE. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | Good faith redisclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10316 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10316 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10316 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10316 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Missing initial 1003 with Application date in loan file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10316 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10316 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10316 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10316 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10316 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10316 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure missing in loan file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10316 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10316 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $7,530.05 may be required. | No Loan Estimates provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10316 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10316 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10316 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10316 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10316 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10316 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | AddedXX/XX/XXXXissing appraisal delivery |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10316 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10316 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10316 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10316 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10316 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10317 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing receipt of XX/XX/XXXX report. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10317 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10317 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXX) | Evidence of actual receipt date of revised Loan Estimate, issued on XX/XX/XXXX, is not provided. Default receipt date (mailbox rule) is XX/XX/XXXX, which is less than 4 business days prior to the closing date (XX/XX/XXXX). |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10317 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10317 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10317 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10317 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10317 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10317 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10317 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10317 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10317 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10317 | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per lender guidelines, a full appraisal is required. Either form 1004 or 1073. Only an exterior appraisal was provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Investor to review<br>Seller Comment (XX/XX/XXXX): COVID LOAN - EXTERIOR APPRAISAL ALLOWED DURING THIS TIME |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10317 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10317 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing a profit and loss statement and balance sheet for, XXXX, and positive K1 income. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10317 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10318 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXX/17127928) | Income documentation is insufficient to verify 2-year history.<br> While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX and XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10318 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10318 | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | Borrower: XXXX XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing prior employment XXXX W-2 for borrower.<br> While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX and XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10318 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10318 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing prior employment XXXX W-2 for borrower. XXXX W-2 for coborrower was not provided.<br> While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX and XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10318 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10319 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report datedXX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10319 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10319 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Disclosure not provided |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10319 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10319 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10319 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10319 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10319 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10319 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | YeaXX/XX/XXXXte profit and loss statement and balance sheet was not provided in the file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Loan is re-stated to small creditor and is required, per small creditor.<br>Seller Comment (XX/XX/XXXX): From lender, Business has been incorporated since XXXX. Profit and Loss statements are required if additional support is needed to support stability and continuance of income. The business was established and there was not a question over stability of income.<br>Reviewer Comment (XX/XX/XXXX): Appendix Q requirement, exception remains.<br>Seller Comment (XX/XX/XXXX): Lender did not require. Business was low risk. Provided Income calc worksheets and SE Attestation for Covid. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10319 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10320 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $510.00 exceeds tolerance of $450.00. $60.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee was last disclosed as $450.00 on the Loan Estimate, but was disclosed as $510.00 on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10320 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10320 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $59.40 exceeds tolerance of $55.00. $4.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Credit Report Fee was last disclosed as $55.00 on the Loan Estimate, but was disclosed as $59.40 on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10320 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10320 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | File is missing evidence of appraisal delivery to the borrower. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10320 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10320 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10320 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10320 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10320 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10320 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10320 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10321 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure was issued on XX/XX/XXXX. Closing Date is XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10321 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10321 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $XXXX based on loan amount, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10321 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10321 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10321 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10322 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $56.45 exceeds tolerance of $34.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10322 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10323 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10323 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10323 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10323 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10323 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10323 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10323 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10323 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10323 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of 10.00. | Guidelines require 6 months reserves plus 2 months for each additional property owned. Subject loan requires 10 months reserves and only 9.85 months were verified.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10323 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10323 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Guidelines require 6 months reserves plus 2 months for each additional property owned. Subject loan requires 10 months reserves and only 9.85 months were verified.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10323 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10324 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Verification appraisal was delivered to borrower not provided in file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | CMLTI 2026-1-10324 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10325 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10325 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10325 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580) | Fee increased on XX/XX/XXXX Loan Estimate with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10325 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10325 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10325 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10325 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10325 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10325 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | No evidence of Approval. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10325 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10325 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10325 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10326 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10326 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10326 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Appendix Q requires 2 years tax returns, P&L, and balance sheet for S-Corps. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10326 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10326 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Appendix Q requires 2 years tax returns, P&L, and balance sheet for S-Corps. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Seller Comment (XX/XX/XXXX): Income was analyzed for 1 year (XXXX) so only 1 years tax return obtained. Business has been in existence for greater than 5 years so 1 year returns are required. Stability of income was not a concern based on having XXXX taxes, existence of business so P and L is not required. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10326 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10326 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Appendix Q requires 2 years tax returns, P&L, and balance sheet for S-Corps. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (XX/XX/XXXX): Appendix Q requires 2 years tax returns, P&L, and balance sheet for S-Corps.<br>Seller Comment (XX/XX/XXXX): Income was analyzed for 1 year (XXXX) so only 1 years tax return obtained. Business has been in existence for greater than 5 years so 1 year returns are required. Stability of income was not a concern based on having XXXX taxes, existence of business so P and L is not required. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10326 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10326 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10326 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10326 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Appendix Q requires 2 years tax returns, P&L, and balance sheet for S-Corps. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Seller Comment (XX/XX/XXXX): Income was analyzed for 1 year (XXXX) so only 1 years tax return obtained. Business has been in existence for greater than 5 years so 1 year returns are required. Stability of income was not a concern based on having XXXX taxes, existence of business so P and L is not required. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10326 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10326 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Appendix Q requires 2 years tax returns, P&L, and balance sheet for S-Corps. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10326 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10328 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10328 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10328 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10328 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10329 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10329 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10329 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report datedXX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10329 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10329 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Product Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | CD received on XX/XX/XXXX closing date |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10329 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10329 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10329 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10329 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10329 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10331 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10331 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10331 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10331 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table First Change Frequency Test | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan. (FinXX/XX/XXXX) | Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10332 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10332 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Interest Only Payment Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Interest Only Payments Period. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Interest Only Payments Period. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10332 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10332 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10332 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Loan Term | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Loan Term that does not match the actual loan term for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Loan Term that does not match the actual loan term for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10332 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10332 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10332 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10332 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10332 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3146020) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10332 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3146019) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10332 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. | ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10332 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | XXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $618,480.00 is less than the note amount of $XXXX based on the Commitment in file. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10332 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | New exception generated. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10332 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10332 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10332 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10335 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10335 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10335 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580) | Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10335 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10335 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10335 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10335 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10335 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10336 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10336 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10336 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Re-stated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10336 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10336 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10336 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10336 | XXXX | XXXX | XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file was missing a copy of the title policy. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10336 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10336 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10336 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10337 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10337 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10337 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX). |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10337 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10337 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX). |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10337 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10337 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 14,827.12 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Loan Disclosures: Amount of Estimated Property Costs over Year 1 of $14,827.12 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX). |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10337 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10338 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10338 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10338 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Re-stated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10338 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10338 | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXX is less than Guideline representative FICO score of 740. | Per guidelines, DTI at or above 40% requires a minimum FICO score of 740. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Per guideline (pg#XXXXor DTI >40% required minimum fico is 740.<br>Seller Comment (XX/XX/XXXX): Again, why would a fico at XXX make this loan non QM? What is non QM about a fico of 736? I get maybe i need an exception for the lender guidelines but it shoudn't make this loan Non QM.<br>Reviewer Comment (XX/XX/XXXX): Per guidelines provided at review for DTI above 40% minimum credit score required is 740.<br>Seller Comment (XX/XX/XXXX): why would fico score of XXX make the loan non qm?<br>Reviewer Comment (XX/XX/XXXX): FICO score below required min per guidelines.<br>Seller Comment (XX/XX/XXXX): no exception for the credit score. Only exception was for the appraisal. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10338 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10338 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Missing third party verification for self-employment income. Waterfall exception due to insufficient FICO score. Per guidelines, DTI at or above 40% requires a FICO score of 740. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Per guidelines provided at review for DTI above 40% minimum credit score required is 740.<br>Seller Comment (XX/XX/XXXX): why would fico score of XXX make the loan non qm?<br>Reviewer Comment (XX/XX/XXXX): FICO score below required min per guidelines.<br>Seller Comment (XX/XX/XXXX): VVOE FOR SCH C IS NOT REQUIRED. THE LOSS WAS USED TO BE CONSERVATIVE. VVOE SHOULD ONLY BE NEEDED IF POSITIVE INCOME WAS USED. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10338 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10340 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10340 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10340 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10340 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10340 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10340 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10340 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign consent document is missing in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10340 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10341 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $309,257.78 is under disclosed by $6,695.12 compared to the calculated Finance Charge of $315,952.90 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Finance charges understated by $6,695.12, itemization of amount financed not provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10341 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10341 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $721,249.93 is under disclosed by $6,740.87 compared to the calculated total of payments of $727,990.80 which exceeds the $35.00 threshold. (FinXX/XX/XXXX) | Total of Payments disclosed is $721,249.93. Calculated amount financed is $727,990.80. Total of Payments Variance is -$6,740.87. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10341 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10341 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $102.00 exceeds tolerance of $XXXX plus 10% or $93.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10341 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10341 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,230.00 exceeds tolerance of $1,200.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10341 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10342 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,250.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Appraisal fee of $1,250.00 not disclosed to borrower until final CD. No valid change in circumstance or cure provided. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10342 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10343 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10343 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10343 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10343 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10343 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10343 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10344 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10344 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10344 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10344 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10344 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verification of employment for salaried co-borrower obtained within 10 calendar days of Note date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Lender agrees.<br>Seller Comment (XX/XX/XXXX): Complete. Did not obtain for Co-borrower. Coborrower did sign Employment attestation stating there has been no changes and I am providing that. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10344 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10344 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing verification of employment for salaried co-borrower obtained within 10 calendar days of Note date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Lender agrees.<br>Seller Comment (XX/XX/XXXX): Complete. Did not obtain for Co-borrower. Coborrower did sign Employment attestation stating there has been no changes and I am providing that. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10344 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10344 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing verification of employment for salaried co-borrower obtained within 10 calendar days of Note date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Lender agrees.<br>Seller Comment (XX/XX/XXXX): Complete. Did not obtain for Co-borrower. Coborrower did sign Employment attestation stating there has been no changes and I am providing that. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10344 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10344 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  | MI is required for LTVs > 80%. Loan was approved with LTV of XX%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): XXXXto review. no reason to provide a MI cert when it's no longer active or required<br>Reviewer Comment (XX/XX/XXXX): MI required at time of closing, exception remains.<br>Seller Comment (XX/XX/XXXX): LOAN IS PAID DOWN TO WHERE MI IS NO LONGER REQUIRED. THIS EXCEPTION IS NO LONGER RELEVANT. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10344 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10345 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Pick Up Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. $75.00 over legal limit. Insufficient or no cure was provided to the borrower. (75205) | Title - Tax Pick Up Fee increased on XX/XX/XXXX Closing Disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10345 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10345 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $400.00 exceeds tolerance of $275.00. $125.00 over legal limit. Insufficient or no cure was provided to the borrower. (7561) | Title - Settlement / Closing / Escrow fee increased on XX/XX/XXXX Closing Disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10345 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10345 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10345 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10346 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10346 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10346 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10346 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10347 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $570.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10347 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10348 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Re-stated to Non-QM |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10348 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10348 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Re-stated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10348 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10348 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Re-stated to Non-QM |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10348 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10348 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10348 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10348 | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $17,443.27 is less than Cash From Borrower $102,326.52. | Based on asset documentation in file, verified assets total $17,443.27. With funds required to bring to closing of $92,326.52, plus the down payment/deposit of $10,000.00, total funds to be verified is $102,326.52. Therefore, the file does not contain sufficient asset documentation for closing funds. Shortage is due to missing source of large deposit of $200,000.00 to XXXX #XXXX on XX/XX/XXXX. | Borrower has verified disposable income of at least $XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): please put exception in XXXX's court to review.<br>Reviewer Comment (XX/XX/XXXX): Seller did not obtain XXXX statement for savings acct. to document transfer, exception remains.<br>Seller Comment (XX/XX/XXXX): XXXX REQUESTED THE XXXX SAVINGS ACCT STATEMENT #XXXX FROM XXXX XXXX SHOWING THE DEBIT FROM THIS ACCT TO THE XXXX CD ACCT THAT WAS USED FOR CLOSING - HAVE XXXX STATEMENT BUT MISSING XXXX WHICH WOULD DOCUMENT THE $XXXXDEPOSIT - LENDER STATED Did not obtain due to the fact it was internal transfer of funds. A savings account that was already established and money market account opened with the same institution. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10348 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10348 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Based on asset documentation in file, verified assets total $17,443.27. With funds required to bring to closing of $92,326.52, plus the down payment/deposit of $10,000.00, total funds to be verified is $102,326.52. Therefore, the file does not contain sufficient asset documentation for closing funds. Shortage is due to missing source of large deposit of $200,000.00 to XXXX #XXXX on XX/XX/XXXX. | Borrower has verified disposable income of at least $XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Seller did not obtain XXXX statement for savings acct. to document transfer, exception remains.<br>Seller Comment (XX/XX/XXXX): XXXX REQUESTED THE XXXX SAVINGS ACCT STATEMENT #XXXX FROM XXXX XXXX SHOWING THE DEBIT FROM THIS ACCT TO THE XXXX CD ACCT THAT WAS USED FOR CLOSING - HAVE XXXX STATEMENT BUT MISSING MAY WHICH WOULD DOCUMENT THE $XXXXDEPOSIT - LENDER STATED Did not obtain due to the fact it was internal transfer of funds. A savings account that was already established and money market account opened with the same institution. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10348 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10351 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose a reason for not having an escrow account on page 4. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10351 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10351 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10351 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10351 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10351 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10352 | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Per final 1003, borrower is a permanent resident alien; however, the borrower's permanent resident card was not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10352 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10352 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10352 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10353 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10353 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10353 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10353 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10353 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 8,872.27 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10353 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10353 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10353 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10353 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10353 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10353 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10353 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10353 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall issue due to 2 years employment history and/or prior employment. Borrower has been employed by Tantara since XX/XX/XXXX. Borrower's previous employment history could not be verified, including XXXX. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide LOE For gap of employment.<br>Seller Comment (XX/XX/XXXX): Provided previous employer w2s which includes unemployment benefits. No prior voe obtained just the W2s. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10353 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10354 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure dated XX/XX/XXXX reflects a Subsequent Changes period that does not align with the actual loan terms. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10354 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10354 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure dated XX/XX/XXXX reflects a product that does not align with the actual loan product. As a result, additional AIR/AP table compliance failures may apply for adjustable-rate or adjustable-payment loans due to incorrect product disclosure |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10354 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10354 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 11,532.84 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Estimated Property Costs Over Year 1 in the amount of $11,532.84 disclosed on the Final Closing Disclosure dated XX/XX/XXXX are overstated. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10354 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10354 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose a reason for not having an escrow account on page 4. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10354 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10354 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing appraisal delivery receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10354 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10354 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10354 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10354 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10354 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Inital 1003 is not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table First Change Frequency Test | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed a First Change frequency that does not match the actual first change frequency for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Interest Only Payment Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Interest Only Payments Period. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed an inaccurate Interest Only Payments Period. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Loan Term | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Loan Term that does not match the actual loan term for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed a Loan Term that does not match the actual loan term for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed the frequency of adjustments that does not match the actual adjustment period for the loan |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed a Principal and Interest Payment that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed loan Product as 1 Year Interest Only, 8/6 Adjustable Rate and that does not match the actual product for the loan, 7/6 Adjustable Rate. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3146024) | Final Closing Disclosure disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3146023) | Final Closing Disclosure disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | CHARM Booklet is not provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Missing evidence of credit report. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Missing Evidence of Initial Loan Application Date |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Missing Evidence of Initial Loan Application Date |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing Evidence of Initial Loan Application Date |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | Missing Evidence of Initial Loan Application Date |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing appraisal delivery |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10355 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10356 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10356 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10356 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Re-stated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10356 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10356 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10356 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10356 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Income was updated, removing the $XXXX income initial used for approval. Income - XXXX - PITIA XXXX - credit debts XXXX - total payments $XXXX. DTI is XX%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10356 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10356 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of 54.49% significantly exceed the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Re-stated to Non-QM | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10356 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10357 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10357 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10357 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $XXX based on loan amount $XXX; there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10357 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10358 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $56.45 exceeds tolerance of $34.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10358 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10359 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10359 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10359 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Timing | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. | Missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10359 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10359 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10359 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10359 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10359 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10359 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): QM Small Creditor Portfolio Originations (status lost if transferred within 3 years). Since don't know the history of the loan and whether it's been transferred less than three years after consummation, we cite the exception and then if lender can provide an attestation that they never sold or securitized the loan within the three years from origination, we can clear the exception. If it has been transferred within three years, the exception is valid. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10359 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10359 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED. XXXXTO WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10359 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table First Change Frequency Test | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan. (FinXX/XX/XXXX) | Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10360 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Maximum Interest Rate | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Interest Rate that does not match the actual maximum interest rate for the loan. (FinXX/XX/XXXX) | Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10360 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Minimum Interest Rate | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. (FinXX/XX/XXXX) | Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10360 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Subsequent Change Frequency | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. (FinXX/XX/XXXX) | Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10360 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Interest Rate Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Interest Rate can change. (FinXX/XX/XXXX) | Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10360 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3132950) | Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10360 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Once | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. Loan Terms adjust a single adjustment of Principal and Interest. (FinXX/XX/XXXX) | Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10360 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Principal and Interest Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Principal and Interest Payment can change. (FinXX/XX/XXXX) | Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10360 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10360 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3132950) | Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10360 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3132951) | Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10360 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3132952) | Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10360 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. (ProjSeq:2/3132950) | Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10360 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. (ProjSeq:3/3132951) | Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10360 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. (ProjSeq:4/3132952) | Note states file is a fixed rate mortgage, however closing disclosure shows mortgage as 7/1 arm. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10360 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-1,510.00. Insufficient or no cure was provided to the borrower. (9300) | A valid COC for the fee increase was not provided. No cure at close |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10360 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10360 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10361 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $380.00 exceeds tolerance of $0.00. $380.00 over legal limit. Insufficient or no cure was provided to the borrower. (8304) | Fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes | CMLTI 2026-1-10361 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10361 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10361 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10361 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10361 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10361 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $368,470.38 is under disclosed by $7,779.96 compared to the calculated Finance Charge of $376,250.34 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Finance charge understated by $7,779.96. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Non QM | Yes | CMLTI 2026-1-10361 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10361 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $749,884.08 is under disclosed by $7,779.96 compared to the calculated total of payments of $757,664.04 which exceeds the $35.00 threshold. (FinXX/XX/XXXX) | Total of Payments understated by $7,779.96. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Safe Harbor QM (APOR) | Non QM | Yes | CMLTI 2026-1-10361 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10361 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. (7563) | Fee was added on closing disclosure issued XX/XX/XXXX, missing change of circumstance and no cure provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes | CMLTI 2026-1-10361 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10361 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Re-stated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10361 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10361 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Re-stated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10361 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10361 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Calculated investor qualifying total debt ratio of XX% exceeds guidelines max 43%. Calculated investor qualifying total debt ratio matches lender DTI. Our calculated figures:<br> Subject Mortgage P&I $XXX.<br> Hazard Insurance$XXX.<br> Mortgage Insurance $XXX.<br> Real Estate Tax $XXX.<br> HOA Due $XXX.<br> PTITA total $XXX, matches 1008.<br> Wages $XXX, which matches 1008.<br> Lender DTI XX%. Due diligence DTI XX%. Max DTI is 43% per guide. Guides do state (45% with a XXXdefined compensating factor) file is missing lender granted exception exceeding 45%. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): According to your guidelines DTI to 45% require compensations factors, your origination system shows option 12 and requires underwriter to describe but is not listed, please provide.<br>Seller Comment (XX/XX/XXXX): Exception approval is logged into the origination system - thus portfolio exception tracking. Cannot be in the origination system without approval and loan closed with exception. Unsure why it is material to not have a signature on the exception when it is evident an exception was made, the type of exception is indicated, and the compensating factor was provided.<br>Reviewer Comment (XX/XX/XXXX): Screenshot is insufficient to verify exception. Please provide lender request and approval to include name of person approving the exception as well as the date.<br>Seller Comment (XX/XX/XXXX): exception uploaded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10361 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10361 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor DTI moderately exceeds Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines of XX% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Re-stated to Non-QM | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10361 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10362 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing most recent (XXXX) signed and dated tax return. Also, co-borrower had an employment gap from XX/XX/XXXX through XX/XX/XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): No LOE for gap provided, exception remains.<br>Seller Comment (XX/XX/XXXX): No Loe for gap but due to covid<br>Reviewer Comment (XX/XX/XXXX): Waterfalling due to complete 2 year employment history was not provided for co-borrower. Missing LOE for employment gap.<br>Seller Comment (XX/XX/XXXX): ? Loan closed XXXX XXXX - XXXX tax return would not be due yet. Attached XXXX & XXXX personal returns with tax transcripts which are acceptable in lieu of signature |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10362 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10362 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing most recent (XXXX) signed and dated tax return. Also, co-borrower had an employment gap from XX/XX/XXXX through XX/XX/XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (XX/XX/XXXX): No LOE for gap provided, exception remains.<br>Seller Comment (XX/XX/XXXX): No Loe for gap but due to covid.<br>Reviewer Comment (XX/XX/XXXX): Waterfalling due to complete 2 year employment history was not provided for co-borrower. Missing LOE for employment gap.<br>Seller Comment (XX/XX/XXXX): ? Loan closed XXXX XXXX - XXXX tax return would not be due yet. Attached XXXX & XXXX personal returns with tax transcripts which are acceptable in lieu of signature |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10362 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10362 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10362 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10362 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing most recent (XXXX) signed and dated tax return. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Waterfalling due to complete 2 year employment history was not provided for co-borrower. Missing LOE.<br>Reviewer Comment (XX/XX/XXXX): Cancelled in error<br>Reviewer Comment (XX/XX/XXXX): Tax transcripts are in the file.<br>Seller Comment (XX/XX/XXXX): ? Loan closed XXXX XXXX - XXXX tax return would not be due yet. Attached XXXX & XXXX personal returns with tax transcripts which are acceptable in lieu of signature |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10362 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10362 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Income documents are missing signed and dated most recent tax returns. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): No LOE for gap provided, exception remains.<br>Seller Comment (XX/XX/XXXX): No Loe for gap but due to covid. XXXX tax transcripts are not in file. only XXXX, XXXX, & XXXX. XXXX not due yet<br>Reviewer Comment (XX/XX/XXXX): Cancelled in error<br>Reviewer Comment (XX/XX/XXXX): Tax transcripts are in the file.<br>Seller Comment (XX/XX/XXXX): ? Loan closed XXXX XXXX - XXXX tax return would not be due yet. Attached XXXX & XXXX personal returns with tax transcripts which are acceptable in lieu of signature |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10362 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10364 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Missing evidence of initial application |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10364 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10364 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing Evidence of XX/XX/XXXX appraisal report receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10364 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10364 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10364 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10364 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Missing evidence of receipt of intial applicaion |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10364 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10364 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Missing evidence of intial application date |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10364 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10364 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Homeownership Counseling List is missing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10364 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10364 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10364 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10364 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10364 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10364 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): XXXXto waive<br>Seller Comment (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10364 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10364 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10364 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10365 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10365 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10365 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $450.00 exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $450.00 exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10365 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10365 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing E-Sign Consent Agreement. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10365 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10366 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10366 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10366 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Earlier receipt was not provided for the Closing Disclosure. The only verified receipt was the one signed at close. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10366 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10366 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10366 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10366 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | CHARM Booklet provided XX/XX/XXXXas not within 3 days of application 06/14/21. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10366 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10366 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10366 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10366 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10366 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10366 | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. | Bank statements are not provided to cover cash from borrower requirement $XXXX. Retirement Funds of $XXXX are disclosed in the Final 1003 but Bank statements are missing in the file. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10366 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10366 | XXXX | XXXX | XXXX | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. |  | Verbal Verification of Employment provided does not have a document date | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10366 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10366 | XXXX | XXXX | XXXX | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX // Document: VVOE / Document Date: / Tax Year: | Verbal Verification of Employment provided, does not have a document date | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10366 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10366 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Agreement is missing | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10366 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10366 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX. | Total verified assets of $XXXX. Available for reserves is $0.00. Retirement Funds of $XXXX are disclosed in the Final 1003 but Bank statements are missing in the file. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10366 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10366 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing employment verification dated within 10 business days of Note. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10366 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10366 | XXXX | XXXX | XXXX | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Housing history reflects lates that do not meet guidelines. | Credit Report: Original // Borrower: XXXX Housing history reflects a total of 1 reported late payments. | Housing history reflects a total of 1 reported late payments. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10366 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10366 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Bank statements are not provided to cover cash from borrower requirement $XXXX. Retirement Funds of $XXXX are disclosed in the Final 1003 but Bank statements are missing in the file. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10366 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10366 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Verbal Verification of Employment provided does not have a document date. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10366 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10367 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3145915) | The final Closing Disclosure dated XX/XX/XXXX non-escrowed property cost is blank on page 4. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10367 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10367 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX) | The mortgage insurance payment of $62.38 disclosed on the Final Closing Disclosure does not match. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10367 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10368 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10368 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10368 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10368 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10368 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Verification appraisal was delivered to borrower not provided in file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10368 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10369 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580) | Tax Service Fee (Life Of Loan) increased to $84.00 on the Closing Disclosure XX/XX/XXXX. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10369 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10369 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10369 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10369 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10369 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10369 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Verification appraisal was delivered to borrower not provided in file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10369 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10370 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The only valuation provided was a Drive by. It is interpreted that this Drive By was used in lieu of URAR and that this file is missing the secondary valuation (GSE COVID19) |  | Investor to provide. |  |  |  | Reviewer Comment (XX/XX/XXXX): Secondary valuation required. Investor to provide.<br>Seller Comment (XX/XX/XXXX): THIS WAS A COVID ORIGINATION. EXTERIOR ONLY APPRAISAL COMMON AND ACCEPTABLE TO USE DURING THIS TIME |  |  |  | 3 D | XX/XX/XXXX | XX | Second Home | Purchase | D A B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10370 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10370 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX) | Adjustable-Interest Rate Table disclosed index as IBOXX/XX/XXXXnth compared to the Note disclosed index of Prime (WSJ). |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10370 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10370 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR Irregular Transaction | TILA-RESPA Integrated Disclosure - Loan Calculations: APR ofXX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR ofXX% outside ofXX% tolerance. (FinXX/XX/XXXX) | Loan Calculations: APR ofXX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR ofXX% outside ofXX% tolerance. (FinXX/XX/XXXX) |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10370 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10370 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $214,038.87 is under disclosed by $114,119.68 compared to the calculated Finance Charge of $328,158.55 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Final Closing Disclosure finance charge disclosed amount of $214,038.87, calculated total of payments of $328,158.55. There is a variance of $114,119.68. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10370 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10370 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $620,686.87 is under disclosed by $114,119.68 compared to the calculated total of payments of $734,806.55 which exceeds the $100.00 threshold. (FinXX/XX/XXXX) | Final Closing Disclosure total of payments disclosed amount of $620,686.87, calculated total of payments of $734,806.55. There is a variance of $114,119.68. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10370 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10370 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | D A B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10370 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10370 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | D A B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10370 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10371 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10371 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10371 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Client redesignated to Small Creditor only 6 months receipt verified child support and alimony. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10371 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10371 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Re-stated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10371 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10371 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10371 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10372 | XXXX | XXXX | XXXX | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Genesee County Water Contamination: Property is located in Genesee County, MI and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10372 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10372 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure was not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10372 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10372 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10372 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10372 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10372 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10372 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Initial Closing Disclosure signed electronically, exception remains.<br>Seller Comment (XX/XX/XXXX): loan is past statute of limitations for this to be needed for timing requirements. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10372 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10373 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10373 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10373 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10373 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10373 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10373 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10373 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): XXXXTO WAIVE<br>Seller Comment (XX/XX/XXXX): XXXXTO WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10373 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10374 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10374 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10374 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10374 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10374 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10374 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10374 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10374 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10375 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10375 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10375 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect product disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10375 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10375 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 27,314.76 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Amount of Estimated Property Costs over Year 1 of 27,314.76 on Final Closing Disclosure provided on XX/XX/XXXX is overdisclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10375 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10375 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) | The Appraisal receipt verification was provided for the report date of XX/XX/XXXX but not the updated report of XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10375 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10375 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10375 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10375 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10375 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10375 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10375 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10376 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10376 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10376 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,250.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes | CMLTI 2026-1-10376 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10376 | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXX is less than Guideline representative FICO score of 720. | Loan was approved with lower than min FICO score required per guideline. Lender approved exception in file, lender approved exception in file does not specify compensating factor. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): This is a credit guideline requirement. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10376 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10376 | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | A Verification of Mortgage for the subject property is missing. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): This is a credit guideline requirement. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10376 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10376 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The Co-Borrower's credit score is below requirements. Lender exception approved to use Borrower's credit score only. The Verification of Mortgage on the subject property is missing. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): This is a credit guideline requirement. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10376 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10378 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10378 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10378 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10378 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10378 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX |  | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): VOE provided for XXXX has XX/XX/XXXXate of verification is not within 10 business days from the note, please provided.<br>Seller Comment (XX/XX/XXXX): attached 10 day vvoes for both borrowers |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10378 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10378 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | VOE within 10 business days from the note for the co-borrower was not provided. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): VOE provided for XXXX has XX/XX/XXXXate of verification is not within 10 business days from the note, please provided.<br>Seller Comment (XX/XX/XXXX): attached 10 day vvoes for both borrowers |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10378 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10380 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10380 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10380 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10380 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10381 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,384.10 exceeds tolerance of $3,268.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10381 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10383 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) | Appraisal was provided to the borrower on XX/XX/XXXX which was before the Appraisal Report dated XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10383 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10383 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing Electronic Consent | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10383 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10385 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Since the loan is not paying off a same lender mortgage, the transaction is not considered a lendeXX/XX/XXXXnder refinance, and H8 is required. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10385 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10385 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product. (FinXX/XX/XXXX) |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10385 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10385 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10385 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10385 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments. (FinXX/XX/XXXX) | Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10385 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10385 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10385 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10385 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Payments Interest Only | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the term "only interest" for loan containing an interest only payment. (ProjSeq:1/3146420) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose the term "only interest" for a loan containing an interest-only payment. (ProjSeq:1/3146420) |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10385 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10385 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 9,885.04 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Loan Disclosures: Amount of Estimated Property Costs over Year 1 of $9,885.04 on Final Closing Disclosure provided on XX/XX/XXXX are over-disclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10385 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10385 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-400.00. Insufficient or no cure was provided to the borrower. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-400.00. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10385 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10385 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10385 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10385 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10385 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10386 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10386 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10388 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Application date was XX/XX/XXXX and disclosure was provided XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10388 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10388 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Re-stated to Non-QM |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10388 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10388 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Re-stated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10388 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10388 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Re-stated to Non-QM |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10388 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10388 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10388 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10388 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX | XX/XX/XXXX to XX/XX/XXXX statement provided for XXXX account XXXX and guidelines require 2 months bank statements to verify assets. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Please provide compensating factors for downgrade and waive.<br>Seller Comment (XX/XX/XXXX): Do I provide the compensating factors or does SitusAMC provide for XXXX?<br>Reviewer Comment (XX/XX/XXXX): Guidelines do not specify new accounts. It states 2 months required. This issue can be downgraded from a grade 3 to a grade 2 with valid compensating factors.<br>Seller Comment (XX/XX/XXXX): XXXX ACCT #XXXX IS NEW ACCOUNT - FUNDS DEPOSITED INTO THIS ACCOUNT CAME FROM THE 401K RETIREMENT ACCOUNT (BALANCE IS THE DEPOSIT FROM THE 401K) NO OTHER ACTIVITY- 2 BANK STATEMENTS FOR THE XXXX ACCT IS NOT POSSIBLE TO GET HOWEVER THE ASSETS FOR THE XXXX ACCT CAME FROM THE 401K ACCT WHICH DOES HAVE MORE THAN 2 BANK STATEMENTS MEETING GUIDELINES |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10388 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10388 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Waterfall due to missing 2 months bank statements for XXXX account XXXX as required by the guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): XXXXto review<br>Reviewer Comment (XX/XX/XXXX): Guidelines do not specify new accounts. It states 2 months required. This issue can be downgraded from a grade 3 to a grade 2 with valid compensating factors.<br>Seller Comment (XX/XX/XXXX): XXXX ACCT #XXXX IS NEW ACCOUNT - FUNDS DEPOSITED INTO THIS ACCOUNT CAME FROM THE 401K RETIREMENT ACCOUNT (BALANCE IS THE DEPOSIT FROM THE 401K) NO OTHER ACTIVITY- 2 BANK STATEMENTS FOR THE XXXX ACCT IS NOT POSSIBLE TO GET HOWEVER THE ASSETS FOR THE XXXX ACCT CAME FROM THE 401K ACCT WHICH DOES HAVE MORE THAN 2 BANK STATEMENTS MEETING GUIDELINES |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10388 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10388 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Non QM DTI moderately exceeds Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the 1026.43(c)(5) of 45.40% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Re-stated to Non-QM | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10388 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10388 | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10388 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10389 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $XXXX, and the estimated cost new is not disclosed on the appraisal. Based on hazard insurance coverage of $XXXX, plus extended coverage of $XXXX, for total coverage of $XXXX, the loan is short of the required coverage by $XXXX. An Insurer's Replacement Cost Estimate was not in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10389 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10390 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal completed "subject to completion"; no 442 or other evidence provided. |  |  |  | Seller Comment (XX/XX/XXXX): Do not have final inspection or coo. |  |  |  | 3 C | XX/XX/XXXX | XX | Primary | Purchase | C A B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10390 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10390 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing evidence of XX/XX/XXXX appraisal report. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | C A B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10390 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10390 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether Homeowners Insurance is included in escrow. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether Homeowners Insurance is included in escrow. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10390 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10390 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10390 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10390 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a product that does not match the actual product for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information A B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10390 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10390 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether property taxes are included in escrow. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether property taxes are included in escrow. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10390 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10390 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10390 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10390 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10390 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10390 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure A B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10390 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10390 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Timing | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. | Home Loan Toolkit not provided to borrower within three business days of application. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | C A B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10390 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10390 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | C A B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10390 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10390 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | C A B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10390 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Less than two years commission used for qualifying. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Disclosure is missing from file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Closing Disclosure is not the correct product per Note. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table First Change Frequency Test | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan. (FinXX/XX/XXXX) | . |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Interest Only Payment Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Interest Only Payments Period. (FinXX/XX/XXXX) | Note tenure of 30 years is not matching with Closing Disclosure tenure of 31 years. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Note tenure of 30 years is not matching with Closing Disclosure tenure of 31 years. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Note tenure of 30 years is not matching with Closing Disclosure tenure of 31 years. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Loan Term | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Loan Term that does not match the actual loan term for the loan. (FinXX/XX/XXXX) | Note tenure of 30 years is not matching with Closing Disclosure tenure of 31 years. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Note tenure of 30 years is not matching with Closing Disclosure tenure of 31 years. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (FinXX/XX/XXXX) | Note tenure of 30 years is not matching with Closing Disclosure tenure of 31 years. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Note tenure of 30 years is not matching with Closing Disclosure tenure of 31 years. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3133793) | Note tenure of 30 years is not matching with Closing Disclosure tenure of 31 years. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3133792) | Note tenure of 30 years is not matching with Closing Disclosure tenure of 31 years. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely) | Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure at Closing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Unable to verify 2-year commission income over a period of at least two (2) years due to missing most recent tax returns. Also, mortgage statement is missing for XXXX, unable to verify P&I, taxes, insurance, and HOA. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): So the XXXXjob was 11 years on the job at time loan was made and the XXXX job was less than 2 months. If the lender is wanting to include the XXXX commission income for those 55 days, App Q addresses that under Section 8:<br> 8. Qualifying Commission Income Earned for Less Than One Year.<br> a. Commission income earned for less than one year is not considered effective income. Exceptions may be made for situations in which the consumer's compensation was changed from salary to commission within a similar position with the same employer.<br> b. A consumer may also qualify when the portion of earnings not attributed to commissions would be sufficient to qualify the consumer for the mortgage.<br>Exceptions remains.<br>Reviewer Comment (XX/XX/XXXX): Loan is being escalated to confirm we can use previous commission from previous employment.<br>Seller Comment (XX/XX/XXXX): So the borrower per the VOE, only 1 year and 4 months shown for job at XXXX. Prior to XXXX, borrower went to XXXX for 1 month after working for XXXXclose to 10 years. See attached VOE. the XXXX W2 was provided as well from XXXXto support the borrowers income. It is reasonable the income the lender used to qualify the borrower. She made $XXXXin XXXX at XXXXper W2, $XXXX in XXXX at XXXXwith $XXXX from XXXX total of $XXXX, & $XXXXin XXXX - uploading the XXXXw2s as well<br>Reviewer Comment (XX/XX/XXXX): Base pay if $XXXX.<br>Commission pay breakdown you must use an average of 2 years with appendix Q.<br>YTD commission $XXXX. Year XXXX $XXXX Year XXXX $XXXX. Aver for 2 years $XXXX and the lender is using $XXXX not able to determine how they calculated this amount.<br>Seller Comment (XX/XX/XXXX): Disagree, the VOE provided shows year end income information for this borrower. This is sufficient to detail income outside of base income the borrower receives.<br>Reviewer Comment (XX/XX/XXXX): Please provide end of year paystub for XXXX and XXXX showing total commission payout.<br>Seller Comment (XX/XX/XXXX): initial exception and all other income exceptions indicated tax returns needed. those were uploaded from the loan file. now we have an exception for missing year end paystubs - attached the VOE from the loan file which breaks down the other income for this borrower. all income exceptions for this loan should be satisfied.<br>Reviewer Comment (XX/XX/XXXX): Please provide end of year paystub for XXXX and XXXX showing total commission payout.<br>Seller Comment (XX/XX/XXXX): ATTACHED 2 YEARS TAX RETURNS WITH TRANSCRIPTS (XXXX & XXXX). XXXX TAXES WERE NOT DUE TO BE FILED YET. INCLUDED 3 YEARS W2S. ALOS ATTACHED REO MTG, TAXES AND INSURANCE ON PRIOR EXCEPTION |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Unable to verify 2-year commission income over a period of at least two (2) years due to missing most recent tax returns. Also, mortgage statement is missing for XXXX, unable to verify P&I, taxes, insurance, and HOA. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): So the XXXXjob was 11 years on the job at time loan was made and the XXXX job was less than 2 months. If the lender is wanting to include the XXXX commission income for those 55 days, App Q addresses that under Section 8:<br> 8. Qualifying Commission Income Earned for Less Than One Year.<br> a. Commission income earned for less than one year is not considered effective income. Exceptions may be made for situations in which the consumer's compensation was changed from salary to commission within a similar position with the same employer.<br> b. A consumer may also qualify when the portion of earnings not attributed to commissions would be sufficient to qualify the consumer for the mortgage.<br>Exceptions remains.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (XX/XX/XXXX): Loan is being escalated to confirm we can use previous commission from previous employment.<br>Seller Comment (XX/XX/XXXX): So the borrower per the VOE, only 1 year and 4 months shown for job at XXXX. Prior to XXXX, borrower went to XXXX for 1 month after working for XXXXclose to 10 years. See attached VOE. the XXXX W2 was provided as well from XXXXto support the borrowers income. It is reasonable the income the lender used to qualify the borrower. She made $XXXXin XXXX at XXXXper W2, $XXXX in XXXX at XXXXwith $XXXX from XXXX total of $XXXX, & $XXXXin XXXX - uploading the XXXXw2s as well<br>Reviewer Comment (XX/XX/XXXX): Base pay if $XXXX.<br>Commission pay breakdown you must use an average of 2 years with appendix Q.<br>YTD commission $XXXX. Year XXXX $XXXX Year XXXX $XXXX. Aver for 2 years $XXXX and the lender is using $XXXX not able to determine how they calculated this amount.<br>Seller Comment (XX/XX/XXXX): Disagree, the VOE provided shows year end income information for this borrower. This is sufficient to detail income outside of base income the borrower receives.<br>Reviewer Comment (XX/XX/XXXX): Please provide end of year paystub for XXXX and XXXX showing total commission payout.<br>Seller Comment (XX/XX/XXXX): initial exception and all other income exceptions indicated tax returns needed. those were uploaded from the loan file. now we have an exception for missing year end paystubs - attached the VOE from the loan file which breaks down the other income for this borrower. all income exceptions for this loan should be satisfied.<br>Reviewer Comment (XX/XX/XXXX): Please provide end of year paystub for XXXX and XXXX showing total commission payout.<br>Seller Comment (XX/XX/XXXX): ATTACHED 2 YEARS TAX RETURNS WITH TRANSCRIPTS (XXXX & XXXX). XXXX TAXES WERE NOT DUE TO BE FILED YET. INCLUDED 3 YEARS W2S. ALOS ATTACHED REO MTG, TAXES AND INSURANCE ON PRIOR EXCEPTION |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Unable to verify 2-year commission income over a period of at least two (2) years due to missing most recent tax returns. Also, mortgage statement is missing for XXXX, unable to verify P&I, taxes, insurance, and HOA. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): So the XXXXjob was 11 years on the job at time loan was made and the XXXX job was less than 2 months. If the lender is wanting to include the XXXX commission income for those 55 days, App Q addresses that under Section 8:<br> 8. Qualifying Commission Income Earned for Less Than One Year.<br> a. Commission income earned for less than one year is not considered effective income. Exceptions may be made for situations in which the consumer's compensation was changed from salary to commission within a similar position with the same employer.<br> b. A consumer may also qualify when the portion of earnings not attributed to commissions would be sufficient to qualify the consumer for the mortgage.<br>Exceptions remains.<br>Reviewer Comment (XX/XX/XXXX): Loan is being escalated to confirm we can use previous commission from previous employment.<br>Seller Comment (XX/XX/XXXX): So the borrower per the VOE, only 1 year and 4 months shown for job at XXXX. Prior to XXXX, borrower went to XXXX for 1 month after working for XXXXclose to 10 years. See attached VOE. the XXXX W2 was provided as well from XXXXto support the borrowers income. It is reasonable the income the lender used to qualify the borrower. She made $XXXXin XXXX at XXXXper W2, $XXXX in XXXX at XXXXwith $XXXX from XXXX total of $XXXX, & $XXXXin XXXX - uploading the XXXXw2s as well<br>Reviewer Comment (XX/XX/XXXX): Base pay if $XXXX.<br>Commission pay breakdown you must use an average of 2 years with appendix Q.<br>YTD commission $XXXX. Year XXXX $XXXX Year XXXX $XXXX. Aver for 2 years $XXXX and the lender is using $XXXX not able to determine how they calculated this amount.<br>Seller Comment (XX/XX/XXXX): Disagree, the VOE provided shows year end income information for this borrower. This is sufficient to detail income outside of base income the borrower receives.<br>Reviewer Comment (XX/XX/XXXX): Please provide end of year paystub for XXXX and XXXX showing total commission payout.<br>Seller Comment (XX/XX/XXXX): initial exception and all other income exceptions indicated tax returns needed. those were uploaded from the loan file. now we have an exception for missing year end paystubs - attached the VOE from the loan file which breaks down the other income for this borrower. all income exceptions for this loan should be satisfied.<br>Reviewer Comment (XX/XX/XXXX): Please provide end of year paystub for XXXX and XXXX showing total commission payout.<br>Seller Comment (XX/XX/XXXX): ATTACHED 2 YEARS TAX RETURNS WITH TRANSCRIPTS (XXXX & XXXX). XXXX TAXES WERE NOT DUE TO BE FILED YET. INCLUDED 3 YEARS W2S. ALOS ATTACHED REO MTG, TAXES AND INSURANCE ON PRIOR EXCEPTION |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | AddedXX/XX/XXXX Hazard insurance effective dateXX/XX/XXXX post note date ofXX/XX/XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of 46.62% moderately exceed the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Re-stated to Non-QM | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. The current primary residence is being included in the DTI. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10391 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10393 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $238,330.82 is under disclosed by $5,677.90 compared to the calculated Finance Charge of $244,008.72 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Finance charge disclosed is $238,330.82. Calculated finance charge is $244,008.72. there is a variance of -$5,677.90. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10393 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10393 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $599,379.52 is under disclosed by $5,712.90 compared to the calculated total of payments of $605,092.42 which exceeds the $35.00 threshold. (FinXX/XX/XXXX) | Total of Payments disclosed is $599,379.52. Calculated amount financed is $605,092.42. Total of Payments Variance is -$5,712.90. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10393 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10393 | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | XXXX. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10393 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10394 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment<br>Seller Comment (XX/XX/XXXX): XXXXto waive<br>Reviewer Comment (XX/XX/XXXX): Initial closing disclosure signed electronically, exception remains.<br>Seller Comment (XX/XX/XXXX): Loan is past statute of limitations for this disclosure to be needed for timing purposes. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10394 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10394 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for After Hours Closing/Post Closing Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75100) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10394 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10395 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10395 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10395 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $570.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10395 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10396 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10396 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10396 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10396 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10396 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10396 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10398 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10398 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10398 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10398 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10398 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10398 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10398 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | The loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes | CMLTI 2026-1-10398 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10398 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | No evidence of application date located in file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10398 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10398 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Missing Evidence of Initial Loan Application Date |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10398 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10398 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10398 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10398 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment.<br>Seller Comment (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED. XXXXTO REVIEW. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10398 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10398 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment."<br>Seller Comment (XX/XX/XXXX): XXXXTO REVIEW/WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10398 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10399 | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal effective date XX/XX/XXXX is greater than 120 days of subject loan note date XX/XX/XXXX. No evidence of a 442 re-verification of Appraisal value. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Lender agrees appraisal was greater than 120 days.<br>Seller Comment (XX/XX/XXXX): Recert of value not obtained as this was a workout situation based on the increase in property taxes. See email from Operations manager. Loan was started under another application but was denied so the information from the original file was just transferred over to the new file. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10399 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10399 | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $XXXX. | File is missing two months bank statements for Shore to Shore account 0020 which was used to qualify per Final 1003.• The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Lender agrees there was a gap in statements and only 1 month was obtained.<br>Seller Comment (XX/XX/XXXX): Only 1 month obtained as loan was started under another application where additional statements were obtained however there would be a 1 month gap.<br>Reviewer Comment (XX/XX/XXXX): Bank statements for 2 months not provided, account activity print off not an acceptable form of bank statement.<br>Seller Comment (XX/XX/XXXX): ATTACHED XXXX STATEMENT USED FOR FUNDS TO CLOSE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10399 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10399 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Waterfall due to missing bank statement.• The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Lender agrees there was a gap in statements and only 1 month was obtained.<br>Seller Comment (XX/XX/XXXX): Only 1 month obtained as loan was started under another application where additional statements were obtained however there would be a 1 month gap. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10399 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10399 | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Twelve-month verification of rent was not found in loan file.• The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Lender agreed that it was not obtained.<br>Seller Comment (XX/XX/XXXX): Not obtained at origination as the bank was servicing and doing a workout due to the increase in escrows. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10399 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10399 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Twelve-month verification of rent was not found in loan file.• The loan passed all Appendix Q testing. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10399 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10400 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10400 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10400 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $160.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $160.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10400 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10401 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10401 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10402 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10402 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10402 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10402 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10402 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $60.00 exceeds tolerance of $30.00 plus 10% or $33.00. $27.00 over legal limit. Insufficient or no cure was provided to the borrower. (0) | A valid COC for the fee increase was not provided. No cure at close. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10402 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10402 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $59.40 exceeds tolerance of $55.00. $4.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | A valid COC for the fee increase was not provided. No cure at close. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10402 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10402 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10402 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10402 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10402 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10402 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10402 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10403 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated loan to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10403 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10403 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10403 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10403 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10403 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10404 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10404 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10406 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10406 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10406 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. | Re-stated to SHQM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10406 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10406 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $XXXX based on (80% of value or $XXXX), there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Per seller - XXXXto review<br>Seller Comment (XX/XX/XXXX): XXXXto review |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10406 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10406 | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. | Required $XXXX to close; however, actual cost to close was $XXXX, resulting in a shortage. Missing invoice for HOI premium paid prior to close by borrower. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): No supporting documentation uploaded for HOI to prove that it was paid prior to close by borrower.<br>Seller Comment (XX/XX/XXXX): providing proof that the borrower paid the policy.<br>Seller Comment (XX/XX/XXXX): Policy shows renewed XXXX XXXX. Why would a lender make a borrower go back 9 months for a bank statement to show the payment when they have the policy that shows active from XXXX XXXX-XXXX which means the policy is paid for?<br>Reviewer Comment (XX/XX/XXXX): The total funds to close include all fees paid outside of closing, any gift funds and earnest money. If the HOI is not sourced to confirm the payment, it will cause funds to be short.<br>Seller Comment (XX/XX/XXXX): The hoi was renewed in XXXX XXXX by the way...the loan closed in XXXX so the hoi had been paid long before the loan application<br>Seller Comment (XX/XX/XXXX): Loan is SHQM. assets in file sufficient for closing but do not account for hoi paid prior to closing. XXXXto review. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10406 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10406 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Required $XXXX to close; however, actual cost to close was $XXXX, resulting in a shortage. Missing invoice for HOI premium paid prior to close by borrower. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan has enough documentation to pass safe harbor, but not reach temp qm<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): No supporting documentation uploaded for HOI to prove that it was paid prior to close by borrower.<br>Seller Comment (XX/XX/XXXX): provided proof that the borrower paid the policy.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): If this meets SHQM, then the loan is SHQM<br>Reviewer Comment (XX/XX/XXXX): The total funds to close include all fees paid outside of closing, any gift funds and earnest money. If the HOI is not sourced to confirm the payment, it will cause funds to be short.<br>Seller Comment (XX/XX/XXXX): Loan is SHQM. assets in file sufficient for closing but do not account for hoi paid prior to closing. XXXXto review. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10406 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10407 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular APR Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | CD dated XX/XX/XXXX is not received by borrower at least three business days prior to consummation. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10407 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10407 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10407 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10407 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10407 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10408 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) | Waterfall finding due to missing XXXX/co-borrower's 4506 for the year of XXXX and XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10408 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10408 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Re-stated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10408 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10408 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Re-stated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10408 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10408 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $620.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes | CMLTI 2026-1-10408 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10408 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  | File is missing copy of Primary Mortgage Insurance doc | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Mid qualifying representative score isXXX, no MI at 85% per the product matrix requires 740 credit score.<br>Seller Comment (XX/XX/XXXX): Attached are the credit reports. FICO score is 764 which is the lowest mid of the 4 borrowers. Please advise where you are gettingXXX from.<br>Reviewer Comment (XX/XX/XXXX): Exception remains. No MI at 85% per the product matrix requires 740 credit score, Borrower representative score isXXX.<br>Seller Comment (XX/XX/XXXX): attached correct guidelines for this loan where MI is not required. Apologies as lender initially flagged the incorrect guides. Please use the attached<br>Reviewer Comment (XX/XX/XXXX): Per guidelines provided at time of review, • MI required if First Mortgage is greater than 80% LTV<br>Seller Comment (XX/XX/XXXX): Per lender, based on LTV, Loan Amount and credit score, MI was not required. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10408 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10409 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10409 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10409 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Qualification method used, note rate per 1008. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10409 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10409 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,451.00 exceeds tolerance of $1,531.00 plus 10% or $1,684.10. $766.90 over legal limit. Insufficient or no cure was provided to the borrower. (0) | 10% fee violation due to an increase in the fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $766.90, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10409 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10409 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10409 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10409 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of 73.05% significantly exceed the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Loan was approved with higher DTI. There is a lender-approved exception for DTI 72%; however, compensating factors are not listed on the exception. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): Per the attached exception tracking the CF/compensating factor is 8 which from the table means Temporary Situation. Also including the approved exception from loan file which indicates the dti is high due to current residence included in dti to be sold XXXX XXXX hence the temporary situation.<br>Reviewer Comment (XX/XX/XXXX): This exception is not eligible for re-grade from level 3 to level 2 without compelling comp factors.<br>Seller Comment (XX/XX/XXXX): attached exception approval |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10409 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10409 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Loan was approved with higher DTI. There is a lender-approved exception for DTI 72%; however, compensating factors are not listed on the exception. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Approved lender exception in file from origination for DTI.<br>Seller Comment (XX/XX/XXXX): exception uploaded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10409 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10409 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor qualifying housing ratio discrepancy. | Calculated investor qualifying housing ratio of XX% exceeds Guideline housing ratio of XX%. | Per guidelines, the maximum front-end ratio is 25.0%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Approved lender exception in file from origination for DTI.<br>Seller Comment (XX/XX/XXXX): exception approval uploaded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10409 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10409 | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception; borrowers are purchasing a home prior to the sale of their current residence (tentatively closing XXXX XXXX). DTI of 72%, as the current residence is not selling until XXXX XXXX. Borrower was approved for higher DTI. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Approved lender exception in file from origination for DTI.<br>Seller Comment (XX/XX/XXXX): exception approval uploaded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10409 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10410 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Provided Through Home Loan Toolkit | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet provided to the borrower through Home Loan Toolkit. | CHARM Booklet provided to the borrower through Home Loan Toolkit. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10410 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10410 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing appraisal delivery |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10410 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10410 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10410 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10410 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10410 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10410 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10410 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10411 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX) | Adjustable-Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10411 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10411 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10411 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10411 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10411 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10411 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10411 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10411 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10411 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10411 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3134501) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10411 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10411 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 10,005.49 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Loan Disclosures: Amount of Estimated Property Costs over Year 1 of $10,005.49 on Final Closing Disclosure provided on XX/XX/XXXX are over disclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10411 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10411 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Appraisal Fee was last disclosed as $400.00 on LE but disclosed as $800.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $400.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Construction-Permanent | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10411 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10412 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 is charged on Final Closing Disclosure however $475.00 is charged on Loan Estimate. There is no cure amount or cure letter in file. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10412 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10413 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $56.80 exceeds tolerance of $34.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10413 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10414 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10414 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10414 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $465.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10414 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10414 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor qualifying housing ratio discrepancy. | Calculated investor qualifying housing ratio of XX% exceeds Guideline housing ratio of XX%. | Per guidelines max front end DTI is 25%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has $XXXX verified reserves. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Lender exception provided.<br>Seller Comment (XX/XX/XXXX): attached exception approval<br>Reviewer Comment (XX/XX/XXXX): Comment corrected. Per guides - DebXX/XX/XXXXcome and Housing Ratio Max front end 25.0%. Max back ratio 45.0%. Front-end DTI isXX%, per calculation and 1008.<br>Seller Comment (XX/XX/XXXX): Per the SitusAMC comments, the front ratio is 26% which is less than the threshold of 35%. Can you provide more detail for the exception if there is something to be cleared? |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10414 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10415 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10415 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10415 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used however it is correctly selected as H-9. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10415 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10415 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10415 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10415 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10415 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10415 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of $XXXX is greater than Guideline maximum loan amount of $300,000.00. | Note loan amount of $XXXX is greater than Guideline maximum loan amount of $300,000.00. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): this is a credit guideline requirement. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10415 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10415 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Note loan amount of $XXXX is greater than Guideline maximum loan amount of $300,000.00. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): this is a credit guideline requirement. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10415 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10416 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10416 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10416 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:843XX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10416 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10416 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated loan to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10416 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10416 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10416 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10416 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10416 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10417 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10417 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10417 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10417 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10417 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $77.40 exceeds tolerance of $63.00. $14.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Credit Report Fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10417 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10418 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX22 missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10418 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10418 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10418 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10419 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $692.10 exceeds tolerance of $567.00 plus 10% or $623.70. $68.40 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $692.10 exceeds tolerance of $567.00 plus 10% or $623.70. $68.40 over legal limit, with no valid change of circumstances and no cure was provided to borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes | CMLTI 2026-1-10419 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10419 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10419 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10419 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Re-stated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10419 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10419 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10419 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10419 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Calculated investor qualifying total debt ratio of XX% exceeds guides total debt ratio of 45%. Per 1008, loan was approved with DTI XX%, however, lender approved exception for DTI >45% was not provided.<br> Data being used in calculations.<br> Income: $XXXX.<br> Subject Mortgage P&I: $XXXX (per guideline qualification method of Fixed term less than seven years-Locked rate + 2%).<br> Total Other Financing. N/A.<br> Hazard $XXXX.<br> Flood: $XXXX.<br> MI $n/a.<br> Taxes $XXXX.<br> Non subject REO $n/a.<br> HOA DUES $n/a.<br> Credit debt $XXXX. | Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Client to review. lender exception provided but no compensating factors for DTI.<br>Seller Comment (XX/XX/XXXX): Attached lender exception for DTI |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10419 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10419 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor qualifying housing ratio discrepancy. | Calculated investor qualifying housing ratio of XX% exceeds Guideline housing ratio of XX%. | Income: $XXXX.<br> Subject Mortgage P&I: $XXXX (per guideline qualification method of Fixed term less than seven years-Locked rate + 2%).<br> Total Other Financing. N/A.<br> Hazard $XXXX.<br> Flood: $XXXX.<br> MI $n/a.<br> Taxes $XXXX.<br> Non subject REO $n/a.<br> HOA DUES $n/a. | Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Client to review. lender exception provided but no compensating factors for DTI.<br>Seller Comment (XX/XX/XXXX): Attached lender exception for DTI |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10419 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10419 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of 56.68% significantly exceed the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Re-stated to Non-QM | Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10419 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10420 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10420 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10420 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Evidence of borrower's receipt of the appraisal three days prior to closing was not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10420 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10420 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10420 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10420 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10420 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10420 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10420 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10420 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | The VVOE is dated XX/XX/XXXX which is not within 10 business days of the Note date. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): A verification of employment is required to be completed at least 10 business prior to the Note date. File is missing a verbal or written verification of employment dated within 10 business days of the Note date.<br>Seller Comment (XX/XX/XXXX): per lender, No verbal VOE obtained |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10420 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10420 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Loan file is missing a VVOE. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): A verification of employment is required to be completed at least 10 business prior to the Note date. File is missing a verbal or written verification of employment dated within 10 business days of the Note date.<br>Seller Comment (XX/XX/XXXX): per lender, No verbal VOE obtained |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10420 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10421 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) | Receipt dated XX/XX/XXXX however appraisal report dated XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | CMLTI 2026-1-10421 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10423 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580) | Tax Service Fee (Life of Loan) was last disclosed as $81.00 on LE, but disclosed as $84.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10423 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10423 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10423 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10423 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | The loan is a purchase, transferred within 3 years. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10423 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10423 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10423 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10424 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | No evidence that borrower received a copy of appraisal 3 business days to closing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10424 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10424 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10424 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10424 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10424 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10424 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of $XXXX is greater than Guideline maximum loan amount of $300,000.00. | Note loan amount of $XXXX is greater than Guideline maximum loan amount of $300,000.00. | Borrower has verified disposable income of at least $XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 2yr Full Doc<br> Disposable Income: $XXXX<br>Loan to Value: XX%<br> Guideline Maximum Loan to Value: XX%<br>DTI: XX% <br> Guideline Maximum DTI: XX% | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived with compensating factors per lender exception approval. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10424 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10425 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10425 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10425 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $134.80 exceeds tolerance of $67.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  |  |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10425 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10427 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $200,737.47 is under disclosed by $7,858.54 compared to the calculated Finance Charge of $208,596.01 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Final Closing Disclosure XX/XX/XXXX disclosed a finance charge of $200,737.47; calculated finance charge is $208,596.01. Variance is $7,858.54. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10427 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10427 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. $4.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Credit Report fee increased to $67.40 on the Closing Disclosure XX/XX/XXXX; there was a $4.00, however, it was not sufficient for a $4.40 violation. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10427 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10427 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $528,017.37 is under disclosed by $7,858.54 compared to the calculated total of payments of $535,875.91 which exceeds the $100.00 threshold. (FinXX/XX/XXXX) | Final Closing Disclosure XX/XX/XXXX disclosed a total of payments of $528,017.37; calculated finance charge is $535,875.91. Variance is $7,858.54. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10427 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10429 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10429 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10429 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10429 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10429 | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Per final 1003, borrower is a Resident Alien however supporting doc was not provided. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review.<br>Buyer Comment (XX/XX/XXXX): Assigned to buyer - seller did not obtain verification of non-US citizen status.<br>Seller Comment (XX/XX/XXXX): per lender did not get |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10429 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10429 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | The file is missing VVOE for borrower's XXXX employment | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Trailing VOE already in file and accounted for. Exception is 2nd job with XXXX.<br>Seller Comment (XX/XX/XXXX): attached 10 day vvoe<br>Reviewer Comment (XX/XX/XXXX): VVOE for borrower's XXXX employment (2nd job) is required per guidelines.<br>Seller Comment (XX/XX/XXXX): VVOE FOR THIS JOB IS ACTUALLY NOT NEEDED. BORROWER QUALIFIES WITH INCOME FROM ONE JOB ONLY WHICH 10 DAY VVOE WAS IN FILE. THE VVOE FOR OTHER JOB IS IN THE FILE DATED XXXX JUST OUTSIDE OF 10 BUSINESS DAYS BUT VERIFIES THE BORROWERS EMPLOYMENT OF OVER 2 YEARS. IF ONLY ONE INCOME USED, DTI IS 21% |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10429 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10429 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Loan file is missing a verbal verification of employment for borrower's XXXX employment. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Trailing VOE already in file and accounted for. Exception is 2nd job with XXXX.<br>Seller Comment (XX/XX/XXXX): attached 10 day vvoe<br>Reviewer Comment (XX/XX/XXXX): VVOE for borrower's XXXX employment (2nd job) is required per guidelines.<br>Seller Comment (XX/XX/XXXX): VVOE FOR THIS JOB IS ACTUALLY NOT NEEDED. BORROWER QUALIFIES WITH INCOME FROM ONE JOB ONLY WHICH 10 DAY VVOE WAS IN FILE. THE VVOE FOR OTHER JOB IS IN THE FILE DATED XXXX JUST OUTSIDE OF 10 BUSINESS DAYS BUT VERIFIES THE BORROWERS EMPLOYMENT OF OVER 2 YEARS. IF ONLY ONE INCOME USED, DTI IS 21% |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10429 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10430 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Loan is a ARM interest only loan and the final CD AP table does not specify the first change/Amount value and subsequent changes value. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10430 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10430 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10430 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10430 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 18,249.11 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 18,249.11 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10430 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10430 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Last transfer date is XX/XX/XXXX. This note date is XX/XX/XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10430 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10430 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10430 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10430 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10430 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10431 | XXXX | XXXX | XXXX | Credit | Data Verification | General | Data Verification | The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio. | Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | Total verified income of $XXXX, qualifying PITIA $XXXX,Credit debt $XXXX and Negative REO of $XXXX. Lender Approval and 1008 approved with a DTI XX% |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10431 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10431 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10431 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10431 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed loan Product of 1 Year Interest Only, 6/6 Adjustable Rate does not match the Calculated Loan Product of 12 Month Interest Only, Adjustable Rate. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10431 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10431 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (FinXX/XX/XXXX) | The Final Closing Disclosure indicated there would not be an escrow account, but the box for disclosure of the estimated property costs over year 1 was left blank. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10431 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10431 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10431 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10431 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Transfer date is XX/XX/XXXX and note date is XX/XX/XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10431 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10431 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10431 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10432 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10432 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10432 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,704.00 exceeds tolerance of $1,515.00 plus 10% or $1,666.50. $37.50 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Total amount of $1,704.00 exceeds tolerance of $1,515.00 plus 10% or $1,666.50. $37.50 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10432 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10432 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10432 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10432 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10432 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10432 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent agreement is missing in the file. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10432 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10433 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely) | Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure at Closing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10433 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10433 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $350.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10433 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10434 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10434 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10434 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing receipt evidence of appraisal receipt three (3) business days prior to closing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10434 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10435 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Waterfall due to missing third-party verification for current and previous employments. Unable to establish start date and durations for employment history. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10435 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10435 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | This is a waterfall exception due to missing Appendix Q required YTD P&L Statement and Balance Sheet to support self employment income. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2 with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded with comp factors.<br>Reviewer Comment (XX/XX/XXXX): This is a waterfall exception due to missing Appendix Q required YTD P&L Statement and Balance Sheet to support self employment income.<br>Seller Comment (XX/XX/XXXX): YTD P&L and balance sheet are not required. Farming sch c was a loss and used against the borrower. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10435 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10435 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10435 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10435 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of 55.57% significantly exceed the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI of XX% is higher than the maximum guidelines limit of 45%. Approval documents have a DTI XX%. Lender exception with compensating factors was not provided. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Allowable per seller guidelines.<br>Borrower has verified disposable income of at least $XXXX. | The LTV is less than 60%.<br>Borrower has over $XXXXassets in IRA that can be withdrawn without penalty. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): This is a waterfall exception due to missing Appendix Q required YTD P&L Statement and Balance Sheet to support self employment income.<br>Seller Comment (XX/XX/XXXX): Not seeing on Appendix Q where it states you have to have a P&L even for negative income that is being taken out of the qualifying income.<br>Reviewer Comment (XX/XX/XXXX): This is a waterfall exception due to missing Appendix Q required YTD P&L Statement and Balance Sheet to support self employment income.<br>Seller Comment (XX/XX/XXXX): YTD P&L and balance sheet are not required. Farming sch c was a loss and used against the borrower.<br>Reviewer Comment (XX/XX/XXXX): This is a waterfall exception due to missing Appendix Q required YTD P&L Statement and Balance Sheet to support self employment income.<br>Seller Comment (XX/XX/XXXX): attached approval<br>Seller Comment (XX/XX/XXXX): attached exception approval |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10435 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10435 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | DTI of XX% is higher than the maximum guidelines limit of 45%. Approval documents have a DTI XX%. Lender exception with compensating factors was not provided. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Allowable per seller guidelines. | The LTV is less than 60%.<br>Borrower has over $XXXXassets in IRA that can be withdrawn without penalty. | SitusAMC,Originator<br>Originator | Reviewer Comment (XX/XX/XXXX): Lender approved exception with compensating factors.<br>Seller Comment (XX/XX/XXXX): exception approval uploaded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10435 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10435 | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, properties with more than 40 acres are not eligible. Lender exception was not provided. Subject property site is XX acres. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Allowable per seller guidelines.<br>Borrower has verified disposable income of at least $XXXX. | The LTV is less than 60%.<br>Borrower has over $XXXXassets in IRA that can be withdrawn without penalty. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Client agrees with finding.<br>Seller Comment (XX/XX/XXXX): Apologies - no exception was made for the acreage<br>Seller Comment (XX/XX/XXXX): exception approvals for dti and acreage uploaded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10435 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10435 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,400.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10435 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10435 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing Appendix Q required YTD P&L Statement and Balance Sheet to support self employment income. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Allowable per seller guidelines.<br>Borrower has verified disposable income of at least $XXXX. | The LTV is less than 60%.<br>Borrower has over $XXXXassets in IRA that can be withdrawn without penalty. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): This is a waterfall exception due to missing Appendix Q required YTD P&L Statement and Balance Sheet to support self employment income.<br>Seller Comment (XX/XX/XXXX): YTD P&L and balance sheet are not required. Farming sch c was a loss and used against the borrower. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10435 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10437 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | ustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10437 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10437 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10437 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10437 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 5,710.21 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 5,710.21 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10437 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10437 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Proof of appraisal delivery report is not available in file for Appraisal Report date XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10437 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10437 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10437 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10437 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10437 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10439 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10439 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10439 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10439 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10439 | XXXX | XXXX | XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10439 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10440 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10440 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10440 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10440 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10440 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Initial 1003 not provided in file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10440 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10440 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | Initial 1003 not provided in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10440 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10440 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Initial 1003 not provided in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10440 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10440 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10440 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10440 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Re-stated to Non-QM |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Restated to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10440 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10440 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Re-stated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10440 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10440 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Re-stated to Non-QM |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Restated to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10440 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10440 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10440 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10440 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $570.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes | CMLTI 2026-1-10440 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10440 | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of is less than Guideline representative FICO score of 640. | Missing FICO scores in the credit report. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): XXXXto review. Credit report in file doesn't include credit score.<br>Seller Comment (XX/XX/XXXX): attached the correct report. borrower does not have credit score due to lack of credit alt credit obtained and included in the attached<br>Reviewer Comment (XX/XX/XXXX): Credit report not for the borrower.<br>Seller Comment (XX/XX/XXXX): Please disregard this credit report. it's not for the correct borrower.<br>Seller Comment (XX/XX/XXXX): ATTACHED CREDIT REPORT FROM FILE THAT INCLUDES THE SCORES |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10440 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10440 | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing two years of employment income history. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Missing verification from employer of original start date to verify 2 year history. TWN in file reflects date of transition to US.<br>Seller Comment (XX/XX/XXXX): Borrower worked in another country. lender supplied w2s and clc exception<br>Seller Comment (XX/XX/XXXX): attached the correct report. borrower does not have credit score due to lack of credit alt credit obtained and included in the attached |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10440 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10440 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall exception due to missing two years of employment income history. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Missing verification from employer of original start date to verify 2 year history. TWN in file reflects date of transition to US.<br>Seller Comment (XX/XX/XXXX): Borrower worked in another country. lender supplied w2s and clc exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10440 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10441 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Receipt of the right to receive a copy of the appraisal disclosure or Loan Estimate not within 3 days of XX/XX/XXXXpplication. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10441 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10441 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | The updated Appraisal report dated XX/XX/XXXX is missing evidence of borrower receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10441 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10441 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Application date is XX/XX/XXXX and disclosure was dated 06/21/22. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10441 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10441 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Application date isXX/XX/XXXXearliest Loan Estimate in file is XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10441 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10441 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Application date is XX/XX/XXXX and disclosure was dated 06/22/22. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10441 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10441 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10441 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10441 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10441 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10441 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $550.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10441 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10441 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing third party verification for borrower's Schedule C self-employment that was used to qualify. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): The loan is testing against the standard APOR guides. Third party verification within 120 days prior to note date for borrower's Schedule C self-employment that was used to qualify is required.<br>Seller Comment (XX/XX/XXXX): Per lender, No verbal obtained for secondary income (Schedule C). Provided 1099 statements as proof of business receipt of income. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10441 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10442 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10442 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10442 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Application date was XX/XX/XXXX and Loan Estimate was issued XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10442 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10442 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,694.00 exceeds tolerance of $1,540.00. $154.00 over legal limit. Insufficient or no cure was provided to the borrower. (8304) | XX/XX/XXXX Closing Disclosure Transfer Tax fees were increased again on XX/XX/XXXX Closing Disclosure with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10442 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10443 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10443 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10444 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10444 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10444 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10444 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10444 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10444 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10445 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10445 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10445 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10445 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10445 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10445 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10445 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 12,659.79 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 12,659.79 on Final Closing Disclosure provided on XX/XX/XXXX are over disclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10445 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10445 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-400.00. Insufficient or no cure was provided to the borrower. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-400.00. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10445 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10445 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal completed "subject to completion", no 442 or other evidence of completion provided. |  |  |  | Reviewer Comment (XX/XX/XXXX): Final inspection showing 100% complete not provided.<br>Seller Comment (XX/XX/XXXX): INTERIOR OF THE HOME IS COMPLETE - ONLY LANDSCAPING REMAINING WHICH WILL BE DELAYED DUE TO THE WEATHER (SEE SNOW IN PICS) INSPECTION REPORT IS SUFFICIENT TO SHOW HOME IS COMPLETE<br>Reviewer Comment (XX/XX/XXXX): There era items on the inspection that are not 100% completed.<br>Seller Comment (XX/XX/XXXX): attached final inspection |  |  |  | 3 C | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10445 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10445 | XXXX | XXXX | XXXX | Credit | Data Verification | General | Data Verification | The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio. | Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | DTI difference due to negative cash flow for second home not included in the DTI, PITI for the property is $XXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10445 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10445 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10445 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10445 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Last transfer date is XX/XX/XXXX and note date is XX/XX/XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10445 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10446 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10446 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10446 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated loan |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10446 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10446 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated loan |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10446 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10447 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10447 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10448 | XXXX | XXXX | XXXX | Credit | Credit | Credit Eligibility | Credit | Credit report shows credit payments as currently delinquent. |  | Credit report document is missing for the co-borrower. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10448 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10448 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10448 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10448 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Initial 1003 application document is missing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10448 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10448 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10448 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10448 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | The Initial 1003 application provided does not reflect the application date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10448 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10448 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10448 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10448 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated loan |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10448 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10448 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated loan |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10448 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10448 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10448 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10449 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing 2 years signed and dated XXXX and XXXX business returns for Partnership (1065) and S Corps (1120) income |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Restated to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (XX/XX/XXXX): Assigned to buyer. Tax returns provided are not signed and seller cannot obtain.<br>Seller Comment (XX/XX/XXXX): do not have the signature pages for the tax returns. complete tax returns in file just no signature |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10449 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10449 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing 2 years signed and dated XXXX and XXXX business returns for Partnership (1065) and S Corps (1120) income |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Restated to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Assigned to buyer. Tax returns provided are not signed and seller cannot obtain.<br>Seller Comment (XX/XX/XXXX): Seller requests buyer review: do not have the signature pages for the tax returns. complete tax returns in file just no signature<br>Seller Comment (XX/XX/XXXX): do not have the signature pages for the tax returns. complete tax returns in file just no signature |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10449 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10449 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10449 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10449 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Timing | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. | Home Loan Toolkit not provided to borrower within three (3) business days of application. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10449 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10449 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,429.75 exceeds tolerance of $-1,730.75. Insufficient or no cure was provided to the borrower. (9300) | Final Lender Credit of $-1,429.75 exceeds tolerance of $-1,730.75. Insufficient or no cure was provided to the borrower |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10449 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10449 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,165.00 exceeds tolerance of $405.00 plus 10% or $445.50. $719.50 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $1,165.00 exceeds tolerance of $405.00 plus 10% or $445.50. $719.50 over legal limit. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10449 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10449 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10449 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10449 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10449 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10449 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing 2 years signed and dated XXXX and XXXX business returns for Partnership (1065) and S Corps (1120) income | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Assigned to buyer. Tax returns provided are not signed and seller cannot obtain.<br>Seller Comment (XX/XX/XXXX): do not have the signature pages for the tax returns. complete tax returns in file just no signature |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10449 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10451 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10451 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10451 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10451 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10451 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10451 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10452 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10452 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10452 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10452 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10452 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10452 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10452 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | The Initial signed and dated 1003 is missing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10452 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10452 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Loan is an ARM interest-only loan, and the final Closing Disclosure AP table does not specify the first change/amount value and subsequent changes value, due to which multiple exceptions are getting triggered. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10452 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10452 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 6,624.42 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Loan is an ARM interest-only loan, and the final Closing Disclosure AP table does not specify the first change/amount value and subsequent changes value, due to which multiple exceptions are getting triggered. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10452 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10452 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10452 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10452 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | The calculated product is 12 Months Interest Only, Adjustable Rate. The Closing Disclosure issued on XX/XX/XXXX reflects the product as 1 Year Interest Only, 11/6 mo. Adjustable Rate. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10452 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10452 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10452 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10452 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10452 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10452 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10452 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10452 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Hazard Insurance Binder within the loan file covers the Construction Company only. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Per guidelines, General Liability - the borrower or general contractor can provide this insurance. NOTE: A certificate <br> of Liability Insurance ACORD Form 25 must be issued by the Insurance provider listing XXXX as the Certificate Holder. Insurance provided on Acord Form 27.<br>Seller Comment (XX/XX/XXXX): CONST/PERM LOAN BUILDERS RISK INSURANCE ONLY AT TIME OF CLOSING |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10452 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10452 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Missing Initial Loan Application, Final Loan Application, Appraisal, Fraud report, Income, and Assets | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): XXXXto order fraud report<br>Buyer Comment (XX/XX/XXXX): XXXXto order fraud report<br>Seller Comment (XX/XX/XXXX): other docs uploaded. XXXXto order fraud report<br>Reviewer Comment (XX/XX/XXXX): Missing initial and final loan application, appraisal, fraud report and assets.<br>Seller Comment (XX/XX/XXXX): ATTACHED INCOME DOCS FROM FILE - REQUESTED ALL OTHERS |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10452 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10453 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10453 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10453 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $825.00. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $825.00. $XXXX over legal limit. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10453 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10453 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. $4.40 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. $4.40 over legal limit. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10453 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10453 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10453 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10454 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Lender on the note is, XXXX. Lender on the appraisal is, XXXX. Missing transfer letter. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10454 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10454 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10454 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10454 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10454 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10454 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10454 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10456 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10456 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10456 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10456 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10456 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10456 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10456 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10456 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10456 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3132825) | As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10456 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10456 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 5,101.25 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | As per Closing Disclosure, the program is interest-only, but as per Note, the I/O period is only the construction period. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10456 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10457 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10457 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10457 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10457 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10457 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10457 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10457 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Buyer Comment (XX/XX/XXXX): XXXXplease review.<br>Seller Comment (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED. XXXXTO REVIEW/WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10457 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10457 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of $XXXX.00 is greater than Guideline maximum loan amount of $300,000.00. | Loan amount of $XXXX.00 exceeds the guideline maximum of $300,000.00. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Waived with compensating factors per lender direction.<br>Reviewer Comment (XX/XX/XXXX): Provide an approved exception document.<br>Seller Comment (XX/XX/XXXX): Per lender, This loan was a refinance of a loan in which we granted an exception for in XXXX for a loan amount of $XXXX. Since we granted the excpetion on the original loan it carried thru with this refinance. Providing original exception approval. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10457 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10457 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing a verbal VOE within 30 days from closing, yeaXX/XX/XXXXte profit and loss statement and balance sheet. for the partnership income, per Appendix Q guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Exception Remains. Still required income documentation for Partnership: Third party verification or CPA letter for partnership and year to date profit and loss and balance sheet for partnership.<br>Seller Comment (XX/XX/XXXX): Can we get this comment updated? the file contained tax returns but was lacking the p&L/balance sheet. The voe was provided and uploaded again.<br>Reviewer Comment (XX/XX/XXXX): Exception remains. Guide requires VOE dated within 30 days from closing,year to date P & L and balance sheet and most recet 2 years signed and dated partnership returns<br>Seller Comment (XX/XX/XXXX): Underwriter did not require p&l/balance sheet as income was secondary and he hit him with a loss. UW Rationale being provided. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10457 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10458 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal delivery receipt was not provided to the borrower. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10458 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10458 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10458 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10458 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10458 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10458 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10458 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10458 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product '12 Month Interest Only, Adjustable Rate' that does not match the actual product for the loan '12 Month Interest Only, 8/1 Adjustable Rate'. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10458 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10458 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 10,412.49 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Amount of Estimated Property Costs over Year 1 of $10,412.49 on Final Closing Disclosure provided on XX/XX/XXXX are over-disclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10458 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10458 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure was not provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10458 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10458 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10458 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10458 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10458 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10459 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Missing evidence of receipt of the right to receive a copy of the appraisal disclosure and Loan Estimate. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Good faith redisclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10459 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10459 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10459 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10459 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10459 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10459 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Missing the application date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10459 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10459 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Missing the application date. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10459 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10459 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10459 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10459 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | Missing from the file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10459 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10459 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The only Closing Disclosure provided was the final disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10459 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10459 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $2,597.00 may be required. | Missing initial Loan Estimate. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10459 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10459 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10459 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10459 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10459 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10459 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10459 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10460 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Initial 1003 Missing |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10460 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10460 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Missing the application date |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10460 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10460 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10460 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10460 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No initial CD was located in the loan file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10460 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10460 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Missing application date |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10460 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10460 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10460 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10460 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10460 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10460 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10460 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10460 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $74.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Recording fee increased beyond tolerance. Cure is required. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10460 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10460 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. | Borrower: XXXX. | Ivan's final 1003 question is answered "no" as occupying primarily within the declaration questions. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Seller Comment (XX/XX/XXXX): Providing corrected 1003 |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10460 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10463 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3146162) | The mortgage insurance payment of $68.88 disclosed on the Final Closing Disclosure does not match the actual mortgage insurance payment of $47.50. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10463 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10463 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10463 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10464 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-479.00. Insufficient or no cure was provided to the borrower. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-1,436.00. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10464 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10464 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10464 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10465 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10465 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10465 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Client redesignated to Small Creditor. Loan has employment deficiency exceptions and appraisal form exceptions. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10465 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10465 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Client redesignated to Small Creditor. Loan has employment deficiency exceptions and appraisal form exceptions. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10465 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10465 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Client redesignated to Small Creditor. Loan has employment deficiency exceptions and appraisal form exceptions. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10465 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10465 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10465 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10465 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): At the time of transaction e-consent was missing.<br>Seller Comment (XX/XX/XXXX): loan is over 5 years seasoned past statute of limitations. exception should be non material |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10465 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10465 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall issue due to missing 2 years employment history. Third-party verification for prior employment with XXXX - XXXX is missing.<br>While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX and XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): Loan is SHQM.<br>Seller Comment (XX/XX/XXXX): appears this should be graded a 2 grade. XXXXto review. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10465 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10465 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Appraisal is required on the applicable standard Fannie Mae Form 1004 or 1073. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Buyer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): XXXXto review. Exterior appraisal as it was a Covid origination<br>Reviewer Comment (XX/XX/XXXX): Per guideline • Interior photos must be included. Must include photos of the kitchen, bathrooms, bedroom and living room/family room. Appraisal is required on the applicable standard Fannie Mae form 1004 or 1073.<br>Seller Comment (XX/XX/XXXX): attached the appraisal. this was a manual underwrite and loan originated during covid 19 thus the exterior appraisal<br>Seller Comment (XX/XX/XXXX): Apologies, will request the missing appraisal for this exception<br>Seller Comment (XX/XX/XXXX): appears this should be graded a 2 grade. XXXXto review. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10465 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10466 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10466 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10466 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10466 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10466 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign consent document is missing in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Cit to review<br>Seller Comment (XX/XX/XXXX): LOAN IS OVER 3 YEARS SEASONED. XXXXTO WAIVE/REVIEW |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10466 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10466 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Per Appendix Q guides, missing a current lease agreement for REO, XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Per appendix Q testing Lease agreement required.<br>Seller Comment (XX/XX/XXXX): Lender did not obtain Lease. Sch E only and acceptable per Freddie. response from lender being reviewed by situsamc on lease/sch E |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10466 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10467 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Copy of Appraisal Not Provided 3 Business Days Prior to Consummation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10467 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10467 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | AbilitXX/XX/XXXXpay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA AbilitXX/XX/XXXXpay requirements under 1026.43 based on deal settings. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10467 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10469 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval document is missing in file. Kindly provide for review. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10469 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10470 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10470 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10470 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10470 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10471 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $276,611.61 is over disclosed by $5.00 compared to the calculated Amount Financed of $276,606.61 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Final Closing Disclosure disclosed an amount financed of $276,611.61; calculated amount financed is $276,606.61. Variance is $5.00. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10471 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10471 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $237,879.08 is under disclosed by $14,275.18 compared to the calculated Finance Charge of $252,154.26 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Final Closing Disclosure disclosed a finance charge of $237,879.08; calculated finance charge is $252,154.26. Variance is -$14,275.18. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10471 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10471 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $518,757.78 is under disclosed by $14,270.18 compared to the calculated total of payments of $533,027.96 which exceeds the $35.00 threshold. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed a TOP of $518,757.78. Calculated TOP is $533,027.96. Variance is $14,270.18. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10471 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX. Note P&I was used for the APR calculation and compliance testing. | Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX the reason for Index type changed. Note P&I was used for the APR calculation. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10473 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization NMLS information on loan documents does not match NMLS. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10473 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Originator Company License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not licensed to conduct loan origination activities. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10473 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (FinXX/XX.XXXX) | Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX the reason for Index type changed. Note P&I was used for the APR calculation. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10473 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (FinXX/XX.XXXX) | Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX the reason for Index type changed. Note P&I was used for the APR calculation. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10473 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX.XXXX) | Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX the reason for Index type changed. Note P&I was used for the APR calculation. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10473 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. (ProjSeq:2/3143171) | Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX the reason for Index type changed. Note P&I was used for the APR calculation. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10473 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. (ProjSeq:3/3143172) | Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX the reason for Index type changed. Note P&I was used for the APR calculation. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10473 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. (ProjSeq:4/3143173) | Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX the reason for Index type changed. Note P&I was used for the APR calculation. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10473 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3143170) | Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX the reason for Index type changed. Note P&I was used for the APR calculation. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10473 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10473 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10473 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | The DTI calculated in accordance with the Lenders Guidelines of XX% moderately exceeds the guideline maximum of 45.00% and lender approved DTI with XX%. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Exception remains, DTI is over the max.<br>Seller Comment (XX/XX/XXXX): lender unable to provide |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10473 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10473 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Missing verification of 2 year employment history, no additional previous employment was provided.<br> Two (2) years tax returns or Bank Statements to evaluate Interest / Dividend income or losses requirement not met. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): The current W2 income job history is less than 1 year, missing a 2-year employment history.<br>Seller Comment (XX/XX/XXXX): Appendix Q states you have to have 2 year history of receipt of this income and use an average of it. Two years tax returns were provided along with asset documents. Tax returns can be used. see below from appendix q guides. <br>1. Analyzing Interest and Dividends.<br>a. Interest and dividend income may be used as long as tax returns or account statements support a two-year receipt history. This income must be averaged over the two years.<br>b. Subtract any funds that are derived from these sources, and are required for the cash investment, before calculating the projected interest or dividend income. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10473 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10474 | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Homeowners insurance policy has an effective date of XX/XX/XXXX and started after the loan funded on XX/XX/XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment<br>Seller Comment (XX/XX/XXXX): XXXXto waive<br>Seller Comment (XX/XX/XXXX): attached residency docs |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10474 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10474 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $56.45 exceeds tolerance of $34.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10474 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10475 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10475 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10475 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX) | The earliest dated E-Consent is XX/XX/XXXX which was after the date of the initial Loan Estimate provided electronically issued 1XX/XX/XXXX20. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10475 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10475 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10475 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10475 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10475 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10479 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX) | The earliest dated E-Consent is XX/XX/XXXX which was after the date of the initial Loan Estimate provided electronically issued XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10479 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10479 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-state designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10479 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10479 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-state designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10479 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10481 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Timing | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. | Home Loan Toolkit not provided to borrower within three (3) business days of application. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10481 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10481 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10481 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10481 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10481 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10482 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | The Closing Disclosure issued on XX/XX/XXXX lists the Product as 1 Year Interest Only, 11/6 month Adjustable Rate. The calculated Product is 12 Month Interest Only, Adjustable Rate. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10482 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10482 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 18,810.00 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | The Hazard Insurance Monthly amount in the loan file is $68.23, and the monthly taxes are $734.80, a total of $803.03, and annually is $9,636.36. The amount on page 4 of the Closing Disclosure issued on XX/XX/XXXX as Property Costs over Year 1 is $18,810.00. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10482 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10482 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10482 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10482 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10482 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10482 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10482 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10482 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $107.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10482 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10482 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Waterfall due to missing supporting documentation to exclude investment property onXXXX. There is a LOE; borrowers intend to sell; however, additional documentation is needed to support exclusion. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): A fully executed purchase contract is required to exclude debt.<br>Seller Comment (XX/XX/XXXX): Included AVM and the mortgage documentation to show balance and 30% equity for debt to be excluded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10482 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10482 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Waterfall due to missing supporting documentation to exclude investment property onXXXX. There is a LOE; borrowers intend to sell; however, additional documentation is needed to support exclusion. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): A fully executed purchase contract is required to exclude debt.<br>Seller Comment (XX/XX/XXXX): Included AVM and the mortgage documentation to show balance and 30% equity for debt to be excluded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10482 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10482 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing supporting documentation to exclude investment property onXXXX. There is a LOE; borrowers intend to sell; however, additional documentation is needed to support exclusion. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): A fully executed purchase contract is required to exclude debt.<br>Seller Comment (XX/XX/XXXX): Included AVM and the mortgage documentation to show balance and 30% equity for debt to be excluded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10482 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10482 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Missing supporting documentation to exclude investment property onXXXX. There is a LOE; borrowers intend to sell; however, additional documentation is needed to support exclusion. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): A fully executed purchase contract is required to exclude debt.<br>Seller Comment (XX/XX/XXXX): Included AVM and the mortgage documentation to show balance and 30% equity for debt to be excluded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10482 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10483 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to file is missing most recent signed and dated 1040/Audited P&L statement/Balance Sheet.. Waterfall due to file is missing Employment Dates to verify two years employment history for current and/or prior employment. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Seller Comment (XX/XX/XXXX): XXXXto review. p&l not obtained.<br>Reviewer Comment (XX/XX/XXXX): The loan is testing to Appendix Q standard guides and is requiring the profit and loss statement and balance sheet.<br>Seller Comment (XX/XX/XXXX): per lender, P and L was not required by the underwriter as they had returns for XXXX and XXXX and loan closedXX/XX/XXXX. Since they had 2 full years, a 2 month p and l would not have aided an income analysis.<br>Reviewer Comment (XX/XX/XXXX): Loan is being tested accordance with Appendix Q. Per Appendix Q Self-employed consumers must provide signed, dated individual tax returns, with all applicable tax schedules for the most recent two years. Both general and limited partnerships report income on IRS Form 1065, and the partners' share of income is carried over to Schedule E of IRS Form 1040.<br>Seller Comment (XX/XX/XXXX): ATTACHED SIGNED RETURNS AND 3RD PARTY VOE. REQUESTED TO SEE IF P&L WAS REQUIRED...GUIDELINES SAY "MAY" IF NOT A SOLE PROPRIETOR. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10483 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10483 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to file is missing most recent signed and dated 1040/Audited P&L statement/Balance Sheet.. Waterfall due to file is missing Employment Dates to verify two years employment history for current and/or prior employment. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Seller Comment (XX/XX/XXXX): XXXXto review. p&l not obtained.<br>Reviewer Comment (XX/XX/XXXX): The loan is testing to Appendix Q standard guides and is requiring the profit and loss statement and balance sheet.<br>Seller Comment (XX/XX/XXXX): tax returns were uploaded. per lender, P and L was not required by the underwriter as they had returns for XXXX and XXXX and loan closedXX/XX/XXXX. Since they had 2 full years, a 2 month p and l would not have aided an income analysis.<br>Reviewer Comment (XX/XX/XXXX): Loan is being tested accordance with Appendix Q. Per Appendix Q Self-employed consumers must provide signed, dated individual tax returns, with all applicable tax schedules for the most recent two years. Both general and limited partnerships report income on IRS Form 1065, and the partners' share of income is carried over to Schedule E of IRS Form 1040.<br>Seller Comment (XX/XX/XXXX): ATTACHED SIGNED RETURNS AND 3RD PARTY VOE. REQUESTED TO SEE IF P&L WAS REQUIRED...GUIDELINES SAY "MAY" IF NOT A SOLE PROPRIETOR. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10483 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10483 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10483 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10483 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to file is missing most recent signed and dated 1040/Audited P&L statement/Balance Sheet.. Waterfall due to file is missing Employment Dates to verify two years employment history for current and/or prior employment. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Seller Comment (XX/XX/XXXX): XXXXto review. p&l not obtained.<br>Reviewer Comment (XX/XX/XXXX): The loan is testing to Appendix Q standard guides and is requiring the profit and loss statement and balance sheet.<br>Seller Comment (XX/XX/XXXX): per lender, P and L was not required by the underwriter as they had returns for XXXX and XXXX and loan closedXX/XX/XXXX. Since they had 2 full years, a 2 month p and l would not have aided an income analysis.<br>Reviewer Comment (XX/XX/XXXX): Loan is being tested accordance with Appendix Q. Per Appendix Q Self-employed consumers must provide signed, dated individual tax returns, with all applicable tax schedules for the most recent two years. Both general and limited partnerships report income on IRS Form 1065, and the partners' share of income is carried over to Schedule E of IRS Form 1040.<br>Seller Comment (XX/XX/XXXX): ATTACHED SIGNED RETURNS AND 3RD PARTY VOE. REQUESTED TO SEE IF P&L WAS REQUIRED...GUIDELINES SAY "MAY" IF NOT A SOLE PROPRIETOR. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10483 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10484 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal was made subject to and 442 is not in images. |  |  |  | Reviewer Comment (XX/XX/XXXX): Appraisal was made subject to , 442 was not provided.<br>Seller Comment (XX/XX/XXXX): From lender attached Receipts for repairs provided but there was not an inspection completed by the appraiser. wasn't required. |  |  |  | 3 C | XX/XX/XXXX | XX | Primary | Purchase | C A B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10484 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10484 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | C A B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10484 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10484 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10484 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10485 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX was missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10485 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10485 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10485 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10485 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to Third Party Verification was not provided for Schedule C income Roivant Sciences. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): VVOE from the employer is required to verify if borrower is an active employee.<br>Seller Comment (XX/XX/XXXX): Also confirmed with lender no additional documentation about for voe. internet search was what they used.<br>Seller Comment (XX/XX/XXXX): The document provided is an acceptable form of 3rd party VOE as the borrower is self employed. Tax returns in file show evidence of borrower's employment history as well as the borrower's indication on the application.<br>Reviewer Comment (XX/XX/XXXX): Third party verification provide is duplicate of telephone listing/internet search. This document doesn't show co-borrower's ownership start date/duration<br>Seller Comment (XX/XX/XXXX): 3rd party voe attached |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10485 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10485 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to Third Party Verification was not provided for Schedule C income Roivant Sciences. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): VVOE from the employer is required to verify if borrower is an active employee.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Seller Comment (XX/XX/XXXX): Also confirmed with lender no additional documentation about for voe. internet search was what they used.<br>Seller Comment (XX/XX/XXXX): The document provided is an acceptable form of 3rd party VOE as the borrower is self employed. Tax returns in file show evidence of borrower's employment history as well as the borrower's indication on the application.<br>Reviewer Comment (XX/XX/XXXX): Third party verification provide is duplicate of telephone listing/internet search. This document doesn't show co-borrower's ownership start date/duration<br>Seller Comment (XX/XX/XXXX): 3rd party voe attached |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10485 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10485 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10485 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10485 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $XXXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) | HOA Dues were last disclosed as $0.00 on Loan Estimate but disclosed as $XXXX on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, and no evidence of cure was found in the file. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10485 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10485 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file did not contain a copy of the borrower's degree.<br> Waterfall due to Third Party Verification was not provided for Schedule C income Roivant Sciences. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): VVOE from the employer is required to verify if borrower is an active employee.<br>Seller Comment (XX/XX/XXXX): Also confirmed with lender no additional documentation about for voe. internet search was what they used.<br>Seller Comment (XX/XX/XXXX): The document provided is an acceptable form of 3rd party VOE as the borrower is self employed. Tax returns in file show evidence of borrower's employment history as well as the borrower's indication on the application.<br>Reviewer Comment (XX/XX/XXXX): Third party verification provide is duplicate of telephone listing/internet search. This document doesn't show co-borrower's ownership start date/duration<br>Seller Comment (XX/XX/XXXX): 3rd party voe attached |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10485 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10486 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $0.00. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points were not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee. The cure provided at closing ($XXXX) is insufficient to address all tolerance violations. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10486 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10486 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $475.00. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee was disclosed as $475.00 on the initial Loan Estimate but was disclosed as $500.00 on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($XXXX) is sufficient to address the violation but is insufficient to address all tolerance violations. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10486 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10487 | XXXX | XXXX | XXXX | Credit | Income | Document Error | Income | YTD P&L Statement was not signed and/or dated by Borrower. (GSE COVID-19) | Borrower: XXXX// Employment Type: Employment / Income Type: S-Corp (>= 25%) / Start Date: XX/XX/XXXX // Document: P&L Statement / Document Date: XX/XX/XXXX / Tax Year: | YTD P&L statement was not signed and/or dated by borrower (GSE COVID-19). | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Per Covid 19 requirements P&L must be signed.<br>Seller Comment (XX/XX/XXXX): P&L WITH BUSINESS BANK STATEMENTS WAS PROVIDED. BUSINESS BANK STATEMENTS ARE AN ACCEPTABLE ALTERNATIVE TO SIGNED P&LS<br>Reviewer Comment (XX/XX/XXXX): P&L not signed and dated. Exception remains.<br>Seller Comment (XX/XX/XXXX): ATTACHED P&L WITH BUSINESS BANK STATEMENTS |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10487 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10487 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing VVOE dated within 20 days of note date as required by GSE COVID-19 exception. YTD P&L statement was not signed and/or dated by borrower (GSE COVID-19).<br> Missing third-party verification of business within 120 days of note.<br> Rental income documentation requirement not met for XXXX. Lease Agreement not provided. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Per Covid 19 requirements P&L must be signed.<br>Seller Comment (XX/XX/XXXX): P&L WITH BUSINESS BANK STATEMENTS WAS PROVIDED. BUSINESS BANK STATEMENTS ARE AN ACCEPTABLE ALTERNATIVE TO SIGNED P&LS<br>Reviewer Comment (XX/XX/XXXX): Per appendix Q testing, Lease for rental income required and signed P&L.<br>Seller Comment (XX/XX/XXXX): ALL DOCS UPLOADED WITH EXCEPTION TO REO DOCS FOR XXXX |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10487 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10487 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing VVOE dated within 20 days of note date as required by GSE COVID-19 exception. YTD P&L statement was not signed and/or dated by borrower (GSE COVID-19).<br> Missing third-party verification of business within 120 days of note.<br> Rental income documentation requirement not met for XXXX. Lease Agreement not provided.<br> The file was missing the HOA dues documentation for this property for XXXX.<br> The file was missing the mortgage statement/taxes/insurance/HOA dues/all PITIA documentation for this property XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Restated to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (XX/XX/XXXX): Per Covid 19 requirements P&L must be signed.<br>Seller Comment (XX/XX/XXXX): P&L WITH BUSINESS BANK STATEMENTS WAS PROVIDED. BUSINESS BANK STATEMENTS ARE AN ACCEPTABLE ALTERNATIVE TO SIGNED P&LS<br>Reviewer Comment (XX/XX/XXXX): Per appendix Q testing, Lease for rental income required and signed P&L.<br>Seller Comment (XX/XX/XXXX): ALL DOCS UPLOADED WITH EXCEPTION TO REO DOCS FOR XXXX |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10487 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10487 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing VVOE dated within 20 days of note date as required by GSE COVID-19 exception. YTD P&L statement was not signed and/or dated by borrower (GSE COVID-19).<br> Missing third-party verification of business within 120 days of note.<br> Rental income documentation requirement not met for XXXX. Lease Agreement not provided.<br> The file was missing the HOA dues documentation for this property for XXXX.<br> The file was missing the mortgage statement/taxes/insurance/HOA dues/all PITIA documentation for this property XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Restated to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Per Covid 19 requirements P&L must be signed.<br>Seller Comment (XX/XX/XXXX): P&L WITH BUSINESS BANK STATEMENTS WAS PROVIDED. BUSINESS BANK STATEMENTS ARE AN ACCEPTABLE ALTERNATIVE TO SIGNED P&LS<br>Reviewer Comment (XX/XX/XXXX): Per appendix Q testing, Lease for rental income required and signed P&L.<br>Seller Comment (XX/XX/XXXX): ALL DOCS UPLOADED WITH EXCEPTION TO REO DOCS FOR XXXX |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10487 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10487 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10487 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10488 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Loan Product is 1 year Interest only Fixed Rate loan and AP table does not specify the first change/amount value due to which exceptions firing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10488 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10488 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 12,630.42 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Final CD disclosed Amount of Estimated Property Costs over Year 1 as 12,630.42. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10488 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10488 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10488 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10488 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10488 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10488 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10488 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10489 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580) | Tax Service Fee (Life Of Loan) Fee increased to $84.00 without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10489 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10489 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10489 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10489 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10489 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10490 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Copy of Appraisal Not Provided 3 Business Days Prior to Consummation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10490 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10490 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): LD restated<br>Reviewer Comment (XX/XX/XXXX): Received HOI was paid, exception cleared |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10490 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10490 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (POCB/Other: Non-Liquid Assets) | Received HOI was paid |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2 with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Corresponding credit/guideline exception waived with compensating factors |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10490 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10490 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Small Creditor Portfolio Originations (ATR Provision - Assets) | Small Creditor Portfolio Originations Qualified Mortgage (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (POCB/Other: Non-Liquid Assets) | Received HOI was paid |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2 with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Corresponding credit/guideline exception waived with compensating factors |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10490 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10490 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10490 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10490 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Approval/1008 required $0.00 to close however Cash from Borrower is $XXX. we don't have supporting document to cover.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Exception remains. Avialable for closing is insufficient .Provide supporting doc to cover<br>Seller Comment (XX/XX/XXXX): borrower already paid the HOI. See attached HOI policy from XXXX XXXX showing nothing owed. the policy was paid for over 6 months prior to loan origination. cash to close sufficient to cover the appraisal fee |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10490 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10491 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10491 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10491 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated 0621/2022 missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10491 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10491 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10491 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10491 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10491 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10492 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXX/17040929) | Unable to determine borrower's start and end dates with FBI due to missing verification of employment during the loan timeframe. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10492 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10492 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $465.00 exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10492 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10493 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10493 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10493 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580) | Fee increased on XX/XX/XXXX Closing Disclosure<br> with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10493 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10493 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Re-stated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10493 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10495 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal was completed "subject to completion", no 442 or other evidence is provided. |  |  |  | Reviewer Comment (XX/XX/XXXX): A final inspection/442 must be completed by an appraiser.<br>Seller Comment (XX/XX/XXXX): attached final inspection with pictures<br>Reviewer Comment (XX/XX/XXXX): Missing pictures<br>Seller Comment (XX/XX/XXXX): attached final inspection |  |  |  | 3 C | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10495 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10495 | XXXX | XXXX | XXXX | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | Tax Return Transcripts for XXXX and XXXX were obtained for this review. However, there is no evidence the borrower signed a Taxpayer Consent. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10495 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10495 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | The updated Appraisal report dated XX/XX/XXXX is missing evidence of borrower receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10495 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10495 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | Home Loan Toolkit not provided to borrower. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10495 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10495 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10495 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10495 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed loan Product of 1 Year Interest Only, 11/6 Adjustable Rate that does not match the Calculated Loan Product of 12 Month Interest Only, Adjustable Rate. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation, Re-Disclose Correct Information B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10495 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10495 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (FinXX/XX/XXXX) | The Final Closing Disclosure indicated there would not be an escrow account, but the box for disclosure of the estimated property costs over year 1 was left blank. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10495 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10495 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10495 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10495 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10495 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10495 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10495 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10495 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10495 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10496 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated 1XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10496 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10496 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10496 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10496 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10496 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10496 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10496 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10497 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10497 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10497 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10497 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10497 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10497 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10497 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10497 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10498 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Disclosure is missing |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10498 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10498 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10498 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10498 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10498 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10498 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10498 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10498 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $561.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7200) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10498 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10498 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): XXXXto waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10498 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10498 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing all business tax returns and schedules for PSLZ LLP | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Please provide tax returns for partnership income.<br>Seller Comment (XX/XX/XXXX): please refer to prior exception commentary and documents uploaded for this exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10498 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10499 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10499 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10501 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10501 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10501 | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Econsent not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10501 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10501 | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Econsent not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10501 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10502 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $164,640.72 is under disclosed by $12,724.01 compared to the calculated Finance Charge of $177,364.73 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Finance Charge understated by $12,724.01. No compliance report or high cost analysis is included in the file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10502 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10502 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $442,402.72 is under disclosed by $12,724.01 compared to the calculated total of payments of $455,126.73 which exceeds the $100.00 threshold. (FinXX/XX/XXXX) | The disclosed Total of Payments in the amount of $442,402.72 is under disclosed by $12,724.01. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10502 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10502 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure on XX/XX/XXXX is not within 3 days of application XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10502 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10502 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10502 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10502 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10502 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10502 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign consent was not provided. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10502 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10502 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | The lender loan approval and final 1008 DTI matches our calculated DTI of XX%. The guidelines max is 45.00%. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Compensating factors were not provided in file.<br>Seller Comment (XX/XX/XXXX): uploaded the dti exception approval |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10502 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10502 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10502 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10503 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10503 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10503 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:843XX/XX/XXXX) | Missing the disclosure signed at closing confirming receipt prior to closing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10503 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10503 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Application date was XX/XX/XXXX and Loan Estimate was issued XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10503 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10503 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (InterXX/XX/XXXX) | Loan estimate issued XX/XX/XXXXand received XX/XX/XXXX, which was on the Closing Disclosure issued XX/XX/XXXX and received XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10503 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10503 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10503 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10503 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exceptions<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED. XXXXTO WAIVE/REVIEW |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10503 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10505 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10505 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10505 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10505 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10505 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10505 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10506 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10506 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10506 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10506 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10506 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10506 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10507 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-448.00. Insufficient or no cure was provided to the borrower. (9300) | Lender Credits Fee was last disclosed as -$448.00 on LE but disclosed as $0.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $448, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (XX/XX/XXXX): SitusAMC received BPO docs but there is no other documents provided to address the change in lender credit from $448.00 to $00 on revised LE dated XXXX. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10507 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10508 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10508 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10508 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10508 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10508 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10508 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10509 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10509 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10509 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,100.00 exceeds tolerance of $0.00. $1,100.00 over legal limit. Insufficient or no cure was provided to the borrower. (7334) | Processing Fee was last disclosed as $0.00 on LE but disclosed as $1,100.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,100.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10509 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10509 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $33.70 exceeds tolerance of $0.00. $33.70 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Credit Report Fee was last disclosed as $0.00 on LE but disclosed as $33.70 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $33.70, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10509 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10509 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $22.00 exceeds tolerance of $0.00. $22.00 over legal limit. Insufficient or no cure was provided to the borrower. (7579) | Flood Certification (Life Of Loan) Fee was last disclosed as $0.00 on LE but disclosed as $22.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $22.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10509 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10509 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $87.00 exceeds tolerance of $0.00. $87.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580) | Tax Service Fee was last disclosed as $0.00 on LE but disclosed as $87.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $87.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10509 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10509 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $0.50 exceeds tolerance of $0.00. $0.50 over legal limit. Insufficient or no cure was provided to the borrower. (8304) | Transfer Tax Fee was last disclosed as $0.00 on LE but disclosed as $0.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $0.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10509 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10509 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | The file was missing a copy of the E-Sign Consent Agreement. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10509 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10510 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | Missing HOA questionnaire | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10510 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10511 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | EV2-B with pre-consummation lender exception and sufficient comp factors. Results are no longer QM Risk. QM Status = Safe Harbor QM (APOR) |  |  |  | Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EV2-B with pre-consummation lender exception and sufficient comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10511 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10511 | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for charge off student loan account is not required to be paid if prior to closing. Exception approved with compensating factors of borrower payment history, income profile, credit supplement and strong financial reserves. | Borrower has verified disposable income of at least $XXXX. | Over 75 months reserves<br> Borrower has been with the same employer for over 5 years<br> Borrower has verified disposable income of at least $XXXX. | Originator Pre-Close,SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to down grade dan waive using compensating factors<br> Over 75 months reserves<br> Borrower has been with the same employer for over 5 years<br> Borrower has verified disposable income of at least $XXXX. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10511 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10511 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Lender approved exception for charge off student loan account is not required to be paid if prior to closing. Exception approved with compensating factors of borrower payment history, income profile, credit supplement and strong financial reserves. | Borrower has verified disposable income of at least $XXXX. | Over 75 months reserves<br> Borrower has been with the same employer for over 5 years<br> Borrower has verified disposable income of at least $XXXX. | Originator Pre-Close,SitusAMC | Reviewer Comment (XX/XX/XXXX): Lender approved exception for charge off student loan account is not required to be paid if prior to closing. Exception approved with compensating factors of borrower payment history, income profile, credit supplement and strong financial reserves.<br> Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10511 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10511 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Lender approved exception for charge off student loan account is not required to be paid if prior to closing. Exception approved with compensating factors of borrower payment history, income profile, credit supplement and strong financial reserves. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EV2-B with pre-consummation lender exception and sufficient comp factors.<br>Reviewer Comment (XX/XX/XXXX): Lender approved exception for charge off student loan account is not required to be paid if prior to closing. Exception approved with compensating factors of borrower payment history, income profile, credit supplement and strong financial reserves.<br> Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10511 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10512 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-assign consent is missing in the file. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10512 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10512 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10512 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10512 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10512 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10513 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product however information updated from Final CD |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10513 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10513 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan however information updated from Final CD |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10513 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10513 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure however information updated from Final CD |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10513 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10513 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 5,549.39 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | mount of Estimated Property Costs over Year 1 of 5,549.39 on Final Closing Disclosure provided on XX/XX/XXXX are over disclosed however information updated from Final CD |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10513 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10513 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right to Cancel document is missing in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10513 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10515 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $276,414.83 is under disclosed by $16,491.05 compared to the calculated Finance Charge of $292,905.88 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Finance charge understated by $16,491.05. No compliance report or high cost analysis is included in the file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10515 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10515 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $832,313.93 is under disclosed by $16,491.05 compared to the calculated total of payments of $848,804.98 which exceeds the $35.00 threshold. (FinXX/XX/XXXX) | Finance charge understated by $16,491.05. No compliance report or high cost analysis is included in the file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10515 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10515 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10515 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10515 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10515 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10515 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10515 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10516 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Partnership Test | AbilitXX/XX/XXXXpay (Dodd-Frank 2014): Unable to verify current Partnership status due to missing Tax Return/Transcript for the most recent year, and one of these docs is required yet missing: XXXXted/Third Party P&L, CPA Letter, or other Third Party Verification. (XXXX/Partnership) | Waterfall due to missing third party verification for XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. The primary income is from XXXX. and he collects rent from this company for the secondary income. We have XXXX P&L in file showing rent of $XXXX (Doc ID XXXX which matches his XXXX rental income 1065).<br>Reviewer Comment (XX/XX/XXXX): The business returns are not signed/dated for both businesses. The transcripts provided are not for this loan. Missing the business license, per VVOE form for active business verification for business, XXXX. Missing a verbal VOE for business, XXXX. Missing a profit and loss statement and balance for business, XXXX.<br>Seller Comment (XX/XX/XXXX): Providing personal transcripts which replaces signed personal returns. Lender does not have the signed business returns or signed 4506T for businesses.<br>Seller Comment (XX/XX/XXXX): AUS did not require the tax returns to be signed.<br>Reviewer Comment (XX/XX/XXXX): Most recent signed and dated tax returns not provided.<br>Seller Comment (XX/XX/XXXX): ATTACHED ALL INCOME DOCS. XXXX IS THE COMMERCIAL PROPERTY UNDER XXXX<br>Seller Comment (XX/XX/XXXX): PER AUS, ONLY 1 YR REQUIRED IF BORROWER SELF EMPLOYED OVER 5 YEARS. BORR SELF EMPLOYED 14 YEARS. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10516 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10516 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing income documents. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Exception waived<br>Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): The business returns are not signed/dated for both businesses. The transcripts provided are not for this loan. Missing the business license, per VVOE form for active business verification for business, XXXX. Missing a verbal VOE for business, XXXX. Missing a profit and loss statement and balance for business, XXXX.<br>Seller Comment (XX/XX/XXXX): Providing personal transcripts which replaces signed personal returns. Do not have signed business returns or signed 4506T for businesses<br>Reviewer Comment (XX/XX/XXXX): Missing most recent signed and dated business and tax returns and third party verification.<br>Seller Comment (XX/XX/XXXX): all income docs uploaded<br>Seller Comment (XX/XX/XXXX): PER AUS, ONLY 1 YR REQUIRED IF BORROWER SELF EMPLOYED OVER 5 YEARS. BORR SELF EMPLOYED 14 YEARS. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10516 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10516 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank 2014): Unable to verify Partnership income using reasonably reliable third-party records. (XXXX/Partnership) | Waterfall due to missing third party verification for XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): The business returns are not signed/dated for both businesses. The transcripts provided are not for this loan. Missing the business license, per VVOE form for active business verification for business, XXXX. Missing a verbal VOE for business, XXXX. Missing a profit and loss statement and balance for business, XXXX.<br>Reviewer Comment (XX/XX/XXXX): The business returns are not signed/dated for both businesses. The transcripts provided are not for this loan. Missing the business license, per VVOE form for active business verification for business, XXXX. Missing a verbal VOE for business, XXXX. Missing a profit and loss statement and balance for business, XXXX.<br>Seller Comment (XX/XX/XXXX): XXXX is the commercial property under XXXX. a 3rd party voe is not needed as you have the 3rd party for XXXX<br>Reviewer Comment (XX/XX/XXXX): Third party verification not provided.<br>Seller Comment (XX/XX/XXXX): ATTACHED ALL INCOME DOCS. XXXX IS THE COMMERCIAL PROPERTY UNDER XXXX |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10516 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10516 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Situsamc Sufficient Cure provided at closing.<br>Reviewer Comment (XX/XX/XXXX): Exception cured<br>Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes | CMLTI 2026-1-10516 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10516 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing income documents. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): The business returns are not signed/dated for both businesses. The transcripts provided are not for this loan. Missing the business license, per VVOE form for active business verification for business, XXXX. Missing a verbal VOE for business, XXXX. Missing a profit and loss statement and balance for business, XXXX.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (XX/XX/XXXX): The business returns are not signed/dated for both businesses. The transcripts provided are not for this loan. Missing the business license, per VVOE form for active business verification for business, XXXX. Missing a verbal VOE for business, XXXX. Missing a profit and loss statement and balance for business, XXXX.<br>Seller Comment (XX/XX/XXXX): Providing personal transcripts which replaces signed personal returns. Do not have signed business returns or signed 4506T for businesses<br>Reviewer Comment (XX/XX/XXXX): Missing most recent signed and dated business and tax returns and third party verification.<br>Seller Comment (XX/XX/XXXX): all income docs uploaded<br>Seller Comment (XX/XX/XXXX): PER AUS, ONLY 1 YR REQUIRED IF BORROWER SELF EMPLOYED OVER 5 YEARS. BORR SELF EMPLOYED 14 YEARS. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10516 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10516 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing income documents. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): The business returns are not signed/dated for both businesses. The transcripts provided are not for this loan. Missing the business license, per VVOE form for active business verification for business, XXXX. Missing a verbal VOE for business, XXXX. Missing a profit and loss statement and balance for business, XXXX.<br>Reviewer Comment (XX/XX/XXXX): The business returns are not signed/dated for both businesses. The transcripts provided are not for this loan. Missing the business license, per VVOE form for active business verification for business, XXXX. Missing a verbal VOE for business, XXXX. Missing a profit and loss statement and balance for business, XXXX.<br>Seller Comment (XX/XX/XXXX): Providing personal transcripts which replaces signed personal returns. Do not have signed business returns or signed 4506T for businesses<br>Reviewer Comment (XX/XX/XXXX): Missing most recent signed and dated business and tax returns and third party verification.<br>Seller Comment (XX/XX/XXXX): all income docs uploaded<br>Seller Comment (XX/XX/XXXX): PER AUS, ONLY 1 YR REQUIRED IF BORROWER SELF EMPLOYED OVER 5 YEARS. BORR SELF EMPLOYED 14 YEARS. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10516 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10516 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10516 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10516 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10516 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10517 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX was received XX/XX/XXXX with Note date of XX/XX/XXXX missing evidence of waiver. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10517 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10517 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10517 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10517 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10517 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10517 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10517 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10518 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing the disclosure signed at closing confirming receipt prior to closing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10518 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10518 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10518 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10518 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10518 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10519 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $570.00 exceeds tolerance of $525.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10519 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10520 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $300,324.48 is under disclosed by $12,903.36 compared to the calculated Finance Charge of $313,227.84 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Finance charge understated by $12,903.36 ,missing itemization of fees |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10520 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10520 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $545,901.18 is under disclosed by $13,911.80 compared to the calculated total of payments of $559,812.98 which exceeds the $100.00 threshold. (FinXX/XX/XXXX) | Total of payments understated by $13,911.80 due to index used |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10520 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10520 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier receipt by borrower not found in file |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10520 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10521 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10521 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10521 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10521 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10521 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10521 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10522 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10522 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10522 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $180.00 exceeds tolerance of $0.00. $180.00 over legal limit. Insufficient or no cure was provided to the borrower. (7723) | Survey Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee; cure provided to the borrower at closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10522 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10523 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10523 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10523 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10523 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10524 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10524 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10524 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $475.00 exceeds tolerance of $445.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10524 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10524 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to liability XXXX and XXXX NA payments made by business and same selected as exclusion reason under credit which is invalid reason as per loan designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10524 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10525 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXXX,XXXX XXXXX LLC/Wages) | Loan Designation restated to Non-QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Restated to EV2-B based on comp factor of paystub datedXX/XX/XXXX for employment verification. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10525 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10525 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan Designation restated to Non-QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10525 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10525 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Loan Designation restated to Non-QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10525 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10525 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10525 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10525 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing a verbal VOE within 10 days prior to closing for, XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): VVOE required per guidelines.<br>Seller Comment (XX/XX/XXXX): Lender Did not obtain a direct verification. Just the website printout for XXXX in file |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10525 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10525 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing a verbal VOE within 10 days prior to closing for, XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): VVOE required per guidelines.<br>Seller Comment (XX/XX/XXXX): Lender Did not obtain a direct verification. Just the website printout for XXXX in file |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10525 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10525 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing a verbal VOE within 10 days prior to closing for XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): VVOE required per guidelines.<br>Seller Comment (XX/XX/XXXX): Lender Did not obtain a direct verification. Just the website printout for XXXX in file |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10525 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10528 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Evidence of borrower's receipt of the updated appraisal was not located in the file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10528 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10528 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10528 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10528 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10528 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | Purchase contract date not provided. |  | The sales contract is not located in the file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Can elect to downgrade and waive with compensating factors.<br>Seller Comment (XX/XX/XXXX): Per lender, unable to provide |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10529 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Agreement / Sales Contract is missing | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Can elect to downgrade and waive with compensating factors.<br>Seller Comment (XX/XX/XXXX): Per lender, unable to provide |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10529 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal is missing | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Can elect to waive.<br>Seller Comment (XX/XX/XXXX): Per lender, unable to provide |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10529 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Verification of employment with year to date earnings for bonus earnings as well as prior year earnigs was required for income calculation and not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Can elect to downgrade and waive with compensating factors.<br>Seller Comment (XX/XX/XXXX): Per lender, unable to provide |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10529 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Employment verification was missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Can elect to downgrade and waive with compensating factors.<br>Seller Comment (XX/XX/XXXX): Per lender, unable to provide |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10529 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Can elect to downgrade and waive with compensating factors.<br>Seller Comment (XX/XX/XXXX): Per lender, unable to provide |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10529 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Can elect to downgrade and waive with compensating factors.<br>Seller Comment (XX/XX/XXXX): Per lender, unable to provide |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10529 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Can elect to downgrade and waive with compensating factors.<br>Seller Comment (XX/XX/XXXX): Per lender, unable to provide |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10529 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing 2 years of bonus income.<br> Verification of employment with year to date earnings for bonus earnings as well as prior year earnings was required for income calculation and not provided.<br> Missing VOE. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Exception will clear once income exceptions are satisfied.<br>Seller Comment (XX/XX/XXXX): Per lender, unable to provide |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10529 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXXX/Wages) | WVOE missing |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Exception will clear once income exceptions are satisfied.<br>Seller Comment (XX/XX/XXXX): Per lender, unable to provide |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10529 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXXX/Wages) | WVOE missing |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Exception will clear once income exceptions are satisfied.<br>Seller Comment (XX/XX/XXXX): Per lender, unable to provide |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10529 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall condition due to the income missing voe, and proof of bonus income issue which is causing the loan to waterfall to straight QM testing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (XX/XX/XXXX): Exception will clear once income exceptions are satisfied.<br>Seller Comment (XX/XX/XXXX): Per lender, unable to provide |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10529 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 909.96 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10529 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10529 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10529 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10529 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | final 1003 is missing | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Can elect to downgrade and waive with compensating factors.<br>Seller Comment (XX/XX/XXXX): Per lender, unable to provide |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10529 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10530 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR Irregular Transaction | TILA-RESPA Integrated Disclosure - Loan Calculations: APR ofXX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR ofXX% outside ofXX% tolerance. (FinXX/XX/XXXX) | Loan Calculations: APR ofXX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR ofXX% outside ofXX% tolerance. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10530 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10530 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $172,229.26 is under disclosed by $23,897.69 compared to the calculated Finance Charge of $196,126.95 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Final Closing Disclosure disclosed a finance charge of $172,229.26; calculated finance charge is $196,126.95. Variance is $23,897.69. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10530 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10530 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $418,227.16 is under disclosed by $23,897.69 compared to the calculated total of payments of $442,124.85 which exceeds the $35.00 threshold. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed a TOP of $418,227.16; calculated TOP is $442,124.85. Variance is $23,897.69. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10530 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10530 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as disclosed on the Note. The AIR table did not match. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10530 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10530 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Since the loan is not paying off a mortgage from the same lender, the transaction is not considered a lendeXX/XX/XXXXnder refinance, and HMDA data point 8 is required. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10530 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10530 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $325.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10530 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10531 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10531 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10531 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10531 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10532 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX, missing evidence of receipt |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10532 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10532 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10532 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10532 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10532 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10533 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Copy of Appraisal Not Provided 3 Business Days Prior to Consummation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10533 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10533 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10533 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10533 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10533 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10533 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10533 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10533 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) | Appraisal Re-Inspection fee amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10533 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10534 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10534 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10534 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Loan designation updated to "small creditor" on 4/28 |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10534 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10534 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10534 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10534 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verification of 2-year employment history for both borrowers, no additional previous employment was provided. Both borrowers have been at their current jobs for under 2 years. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Tax returns in file are for XXXX and XXXX and loan closed XXXX. Evidence of employment for the immediate 2 years prior to 4/XXXX required for review of this condition.<br>Seller Comment (XX/XX/XXXX): Using tax returns to support previous employment. Borrrower was self-employed for the previous 2 years so the current job is new. Coborrower was a homemaker and the tax returns document that so Coborrower was new to the workforce. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10534 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10535 | XXXX | XXXX | XXXX | Credit | Data Verification | General | Data Verification | The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio. | Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | DTI variance is due to P&I $XXXX does not match 1008 P&I $XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10535 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10537 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) | Receipt dated XX/XX/XXXX however appraisal report dated XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10537 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10537 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10537 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10537 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | File is missing E-sign Consent document. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): XXXXTO WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10537 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10538 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall Condition due to CPA and third-party prepared P&L, Balance Sheet statement not provided. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10538 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10538 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall Condition due to CPA and third-party prepared P&L, Balance Sheet statement not provided. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10538 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10538 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10538 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10538 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $105.00 exceeds tolerance of $95.00 plus 10% or $104.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10538 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10538 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | CPA and third-party prepared P&L, Balance Sheet statement not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10538 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10539 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | XX/XX/XXXX Closing Disclosure indicates a total in section G for the initial escrow payment at closing of $1,286.74; however, the Initial Escrow Account Disclosure reflects an initial deposit of $3,209.55. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10539 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10539 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement was not found in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10539 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10539 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10539 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10539 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10539 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10539 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXX) | Revised Loan Estimate provided on XX/XX/XXXX was not received by borrower. |  |  |  | Reviewer Comment (XX/XX/XXXX): SitusAMC received XXXX LE without receipt. Please provide documentation of receipt if available. The mailbox rule is applied therefore receipt date is XXXX. Consummation date is XXXX. XXXX is day 1, XXXX is day 2, XXXX is day 3, and XXXX is day 4. |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10539 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10540 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $XXXX based on (80% of $XXXX or $XXXX), there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10540 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10540 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10540 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10541 | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Hazard Insurance policy effective date XX/XX/XXXX is after Note date of XX/XX/XXXX. The disbursement date is XX/XX/XXXX. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10541 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10543 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10543 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10543 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10543 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10543 | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Verification of Rent (VOR) / Verification of Mortgage (VOM) is missing | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): We have reached out to outside counsel regarding loan designation since this is a credit guideline requirement. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10543 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10543 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Verification of Rent (VOR) / Verification of Mortgage (VOM) is missing | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan has enough documentation to reach Safe harbor<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): We have reached out to outside counsel regarding loan designation since this is a credit guideline requirement. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10543 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10544 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Disclosure missing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10544 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10545 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10545 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10545 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10545 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10545 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10545 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10545 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10545 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10546 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $186,092.50 is under disclosed by $4,171.01 compared to the calculated Finance Charge of $190,263.51 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Finance Charge disclosed is $186,092.50. Calculated finance charge is $190,263.51. Variance of $4,171.01. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10546 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10546 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $444,495.20 is under disclosed by $4,171.01 compared to the calculated total of payments of $448,666.21 which exceeds the $35.00 threshold. (FinXX/XX/XXXX) | Total of Payments disclosed is $444,495.20. Calculated total of payments is $190,263.51. Variance of $4,171.01. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10546 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10549 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10549 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10549 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10549 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10549 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10549 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10549 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan has enough documentation to reach Safe harbor<br>Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Per seller - LOAN OVER 3 YEARS SEASONED. XXXXTO REVIEW/WAIVE<br>Seller Comment (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED. XXXXTO REVIEW/WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10549 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10549 | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Borrower Credit report missing | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX | SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan has enough documentation to reach Safe harbor<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Provided email states updates to guidelines that have not been approved were used for no FICO and exception not provided. Exception remains.<br>Seller Comment (XX/XX/XXXX): ATTACHED CREDIT REPORT FOR XXXX. NO CREDIT SCORE ABLE TO BE PULLED DUE TO INSUFFICIENT CREDIT. CLC APPROVAL INCLUDED STARTING PAGE 10<br>Reviewer Comment (XX/XX/XXXX): Missing for, XXXX. The report provided does not reflect FICO scores or tradelines.<br>Seller Comment (XX/XX/XXXX): Attached credit reports |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10549 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10549 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $610.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Appraisal fee Amount of $610.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes | CMLTI 2026-1-10549 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10549 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. Sufficient or excess cure was provided to the borrower at Closing. (7580) | Tax Service fee (Life Of Loan) Amount of $84.00 exceeds tolerance of $81.00. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes | CMLTI 2026-1-10549 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10549 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Borrower Credit report missing | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX | SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan has enough documentation to reach Safe harbor<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Email provided states guidelines were updated but not approved. Exception was not reflected.<br>Seller Comment (XX/XX/XXXX): ATTACHED CREDIT REPORT FOR XXXX. NO CREDIT SCORE ABLE TO BE PULLED DUE TO INSUFFICIENT CREDIT. CLC APPROVAL INCLUDED STARTING PAGE 10<br>Reviewer Comment (XX/XX/XXXX): Missing for, XXXX. The report provided does not reflect FICO scores or tradelines.<br>Seller Comment (XX/XX/XXXX): credit reports attached in prior exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10549 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10550 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio CSPA Tangible Net Benefit Test | Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10550 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10551 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of borrower receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10551 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10551 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Initial Rate Agreement is missing in file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10551 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10551 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10551 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10551 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10551 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10551 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10551 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10552 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Final appraisal is dated XX/XX/XXXX, which is less than 3 business days prior to the note date (XX/XX/XXXX). Although a valid acknowledgement of receipt was signed at closing, the borrower could not have received the final appraisal within the required timing parameters. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10552 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10552 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10552 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10552 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX did not disclose whether the loan will have an escrow account. (FinXX/XX/XXXX) | None of the applicable checkboxes are marked on p.4 of the final Closing Disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10552 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10552 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - Pre October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX) | No escrowed costs are disclosed on p.4 of the final Closing Disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10552 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10552 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - Pre October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | No escrowed costs are disclosed on p.4 of the final Closing Disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10552 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10552 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | None of the applicable checkboxes are marked on p.4 of the final Closing Disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10552 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10552 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $160.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10552 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10552 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $0.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10552 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10552 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | XXXX | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years. |  | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Lender approved exception.<br>Seller Comment (XX/XX/XXXX): exception approval for income<br>Seller Comment (XX/XX/XXXX): ATTACHED EMAIL WITH APPROVAL FOR INCOME USED TO QUALIFY WHICH WAS JUST THE TWO PAGES OF THE 1 YR RETURNS<br>Reviewer Comment (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10552 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10552 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): XXXXto review.<br>Seller Comment (XX/XX/XXXX): Lender did not get MI. It is no longer required. XXXXto review<br>Reviewer Comment (XX/XX/XXXX): MI cert at time of closing is required.<br>Seller Comment (XX/XX/XXXX): mi was deactivated<br>Seller Comment (XX/XX/XXXX): MI APPEARS TO NOT HAVE BEEN OBTAINED FOR THIS LOAN. SEE EMAIL. HOWEVER, LOAN IS PAID DOWN TO WHERE MI IS NO LONGER REQUIRED |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10552 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10552 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Missing mortgage statement verifying PITI on retained investment property. | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Exception documentation provided does not state XXXXX mortgage, please provide mortgage statement.<br>Seller Comment (XX/XX/XXXX): ask to re-review the document provided for this exception. Page 9 item 12 on the email indicates they did not require. Per the underwriting total debts, the mortgages from the credit report were used.<br>Reviewer Comment (XX/XX/XXXX): Lender exception provided does not mention mortgage statement.<br>Seller Comment (XX/XX/XXXX): See exception documentation for REOs not being documented. Although not listed on the PFS, they just hit the borrower with the total payment from the credit report.<br>Reviewer Comment (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10552 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10552 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The credit report for the non-occupant co-borrower reflects 8 active mortgages, however, no property data or documentation is provided. | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): ask to re-review the document provided for this exception. Page 9 item 12 on the email indicates they did not require. Per the underwriting total debts, the mortgages from the credit report were used.<br>Reviewer Comment (XX/XX/XXXX): Lender exception provided does not mention credit report or mortgages.<br>Seller Comment (XX/XX/XXXX): See exception documentation for REOs not being documented. Although not listed on the PFS, they just hit the borrower with the total payment from the credit report.<br>Reviewer Comment (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10552 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10554 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10554 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10554 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10554 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10554 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10554 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10554 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment<br>Seller Comment (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10554 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10554 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Based on VVOE provided only shows borrower's start date XX/XX/XXXX. Borrower previous position with the university starting on XX/XX/XXXX couldn't be verified. Income verification, start date (W2 2018) | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10554 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10555 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Missing initial application, unable to determine if right to receive a copy of the Appraisal Disclosure was provided within 3 days of the loan application date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10555 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10555 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10555 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10555 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10555 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10555 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Missing initial application. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10555 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10555 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10555 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10555 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Timing | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. | Missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10555 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10555 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Missing initial application, unable to determine if Loan Estimate was provided within 3 days of the loan application date. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10555 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10555 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing initial application. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10555 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10555 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10555 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10555 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restate |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10555 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10555 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10555 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10556 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | XX/XX/XXXX receipt of the right to receive a copy of the appraisal disclosure is not within 3 days of application. Missing evidence of initial loan application date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10556 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10556 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10556 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10556 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Missing evidence of initial loan application date, therefore unable to determine to determine compliance with NMLSR timing requirements. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10556 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10556 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Missing evidence of initial loan application date, therefore unable to determine RESPA Affiliated Business Arrangement Disclosure Timing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10556 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10556 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing evidence of initial loan application date, therefore unable to determine RESPA Homeownership Counseling List Timing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10556 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10556 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Missing evidence of initial loan application date, therefore unable to determine Loan Estimate Timing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10556 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10556 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10556 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10556 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10556 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10556 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10556 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10556 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment.<br>Seller Comment (XX/XX/XXXX): XXXXTO WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10556 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10559 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | vidence of borrower's receipt of the Appraisal within 3 business days prior to closing was not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10559 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10559 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan ofXX% or Final Disclosure APR ofXX% is equal to or greater than the threshold of APOR 2.94% + 1.5%, orXX%. Compliant Higher Priced Mortgage Loan. | Compliant HPML, nothing required from lender. Investor to review for approval. |  |  |  |  |  |  |  | 3 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10559 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10559 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10559 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10559 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Loan term is of 31 years (372 months), Note document shows 360 months which do not include 12 months of Interest only period. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10559 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10559 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (FinXX/XX/XXXX) | Loan term is of 31 years (372 months), Note document shows 360 months which do not include 12 months of Interest only period. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10559 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10559 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 5,804.37 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment of $292.97 which does not match with the P&I of $963.84 as it's inclusive of interest for first 12 months. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10559 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10559 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10559 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10559 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Product Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10559 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10559 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Post Close Closing Disclosure Timing Irregular Transactions | TILA-RESPA Integrated Disclosure – Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure. | Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10559 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10559 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign consent was not provided. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10559 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10559 | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Homeowners insurance policy has an effective date of XX/XX/XXXX and started after the loan funded on XX/XX/XXXX. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10559 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10560 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Total verified income of $XXXX, qualifying PITIA $XXXX and Credit debt $XXXX. Lender approved with a DTI XX% | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Lender approved exception to exceed 45% DTI.<br>Seller Comment (XX/XX/XXXX): exception approval uploaded<br>Seller Comment (XX/XX/XXXX): XXXXto review. Loan over 3 years seasoned. DTI wasXX%on the tape. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10560 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10560 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Total verified income of $XXXX, qualifying PITIA $XXXX and Credit debt $XXXX. Lender approved with a DTI XX% | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Lender approved exception to exceed 45% DTI.<br>Seller Comment (XX/XX/XXXX): exception approval uploaded<br>Seller Comment (XX/XX/XXXX): XXXXto review. Loan over 3 years seasoned. DTI wasXX%on the tape. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10560 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10562 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The only valuation provided was a Drive by. It is interpreted that this Drive By was used in lieu of URAR and that this file is missing the secondary valuation (GSE COVID19) |  | Investor to provide. |  |  |  | Reviewer Comment (XX/XX/XXXX): A secondary valuation is required, investor to order. Exception remains.<br>Seller Comment (XX/XX/XXXX): EXTERIOR ONLY APPRAISAL ORDERED. COVID LOAN AND WAS ACCEPTABLE DURING THIS TIME PERIOD |  |  |  | 3 D | XX/XX/XXXX | XX | Primary | Purchase | D B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10562 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10562 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | D B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10562 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10562 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Missing from the file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10562 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10562 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | D B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10562 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10562 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | D B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10562 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10562 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | D B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10562 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10562 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Calculated DTI of XX%. Due to pending sale property XXXX, PITI ($XXXX) amount was included in the DTI. No proof of property sold is evident in the file to exclude it from the DTI, hence the DTI exceeds the guideline limit of 43%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): The income documents in the file support the qualifying income used by the lender. The discrepancy in calculated debt is that the second home debts were not included in the DTI ration on the 1008. The file has the pending purchase contract, but is missing the closing statement to verify the property was sold. Exception remains.<br>Seller Comment (XX/XX/XXXX): INCOME FROM BUSINESS WAS A LOSS - P&L NOT REQUIRED AS LOSS WAS USED AGAINST BORROWERS - ONLY XXXX BUSINESS RETURNS AVAILABLE AS PER THE TAX RETURN THE BUSINESS WAS INCORPORATED XX/XX/XXXX - WOULD NOT HAVE XXXX AND XXXX NOT OVER WITH YET AND P&L NOT REQUIRED FOR NEGATIVE INCOME. NO OTHER DOCS ARE REQUIRED - SENT INCOME DOCS FROM FILE AGAIN |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | D B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10562 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10564 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Missing Initial 1003 Loan Application. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10564 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10564 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Missing a copy of the initial loan application documentation. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10564 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10564 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10564 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10564 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | No evidence of application date located in file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10564 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10564 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Required appraisal delivery report within 3 business days prior to closing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10564 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10564 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10564 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10564 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10564 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10566 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (InterXX/XX/XXXX) | Loan Estimate issued XX/XX/XXXX and received XX/XX/XXXX, was on the same date as the Closing Disclosure issued XX/XX/XXXX and received XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10566 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10566 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $101.10 exceeds tolerance of $63.00. $38.10 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Credit Report Fee was last disclosed as $63.00 on Loan Estimate but disclosed as $101.10 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10566 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10567 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. (XXXX,XXXX XXXX & XXXX Co LPA/S-Corp) | A YTD P&L Statement and Balance Sheet are missing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Restated to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Per seller - Per lender, P and L not required. Not able to provide. business and personal transcripts were not noted as needed on the other exceptions...if signed returns provided then transcripts are not needed<br>Seller Comment (XX/XX/XXXX): Per lender, P and L not required. Not able to provide. business and personal transcripts were not noted as needed on the other exceptions...if signed returns provided then transcripts are not needed<br>Reviewer Comment (XX/XX/XXXX): The file is still missing the business and personal transcripts, P&L Statement and balance sheet. Exception remains.<br>Seller Comment (XX/XX/XXXX): income docs were uploaded on prior exception |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10567 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10567 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. (XXXX,XXXX XXXX & XXXX Co LPA/S-Corp) | A YTD P&L Statement and Balance Sheet are missing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Restated to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Per seller - Per lender, P and L not required. Not able to provide.<br>Seller Comment (XX/XX/XXXX): Per lender, P and L not required. Not able to provide. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10567 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10567 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Index. (FinXX/XX/XXXX) | Index not reflected on Closing Disclosure, page 4. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10567 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10567 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10567 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10567 | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Policy Effective Date is XX/XX/XXXX and note date is XX/XX/XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10567 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10567 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $156.00 exceeds tolerance of $100.00 plus 10% or $110.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10567 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10567 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10567 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10567 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Using the correct qualifying method, the DTI exceeds the maximum allowed. Debt from the existing second home was not all included in the qualifying debt on the 1008. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10567 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10568 | XXXX | XXXX | XXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $232,000.00 is less than the note amount of $XXXX based on the Commitment in file. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10568 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10568 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10568 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10568 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10568 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10568 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10568 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10569 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX.XXXX) | Evidence of receipt of appraisal dated XX/XX/XXXX three (3) business days prior to consummation was not provided in the file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10569 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10569 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10569 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10569 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10569 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10569 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10569 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10570 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10570 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10572 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10572 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10572 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $562.50 exceeds tolerance of $0.00. $562.50 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points Fee was last disclosed as $0.00 on the loan estimate but disclosed as $562.50 on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, nor evidence of cure in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10572 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10572 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580) | Tax Service Fee (Life Of Loan) was last disclosed as $81.00 on the loan estimate but disclosed as $84.00 on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, nor evidence of cure in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10572 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10572 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10572 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10572 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10572 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10572 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing a verbal VOE within 10 days prior to closing for, XXXX.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Investor to review<br>Seller Comment (XX/XX/XXXX): XXXXTO REVIEW. SHQM LOAN |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10572 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10572 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing a verbal VOE within 10 days prior to closing for, XXXX.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Investor to review<br>Seller Comment (XX/XX/XXXX): XXXXTO REVIEW. SHQM LOAN |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10572 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10572 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing a verbal VOE within 10 days prior to closing for, XXXX.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Investor to review<br>Seller Comment (XX/XX/XXXX): XXXXTO REVIEW. SHQM LOAN |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10572 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10572 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX | Guides require 2 consecutive month. Missing additional month. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Investor to review<br>Seller Comment (XX/XX/XXXX): Attached bank statement and transaction history covering two months for the assets. loe from borrower that statements were switched to quarterly and transaction history from bank for month of february was used. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10572 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10574 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10574 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10574 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10574 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10574 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $287.50 exceeds tolerance of $0.00. $287.50 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Point fee was not disclosed on Loan Estimate but was disclosed as $287.50 on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee; a cure was provided at closing. |  |  |  | Reviewer Comment (XX/XX/XXXX): SitusAMC received no documents to address 0% tolerance exception for adding Discount Points fee on final CD. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10574 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10575 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXX) | Loan Estimate provided on XX/XX/XXXX not received by borrower at least four business days prior to closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10575 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10575 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10575 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10575 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10575 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10576 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (InitiXX/XX/XXXX) | Incomplete CD with a closing date of XX/XX/XXXX used in compliance testing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Good Faith Redisclosure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10576 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10576 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | High Cost Indicator Test | Loan does not exceed any high cost thresholds, however, documentation indicating loan was originated as a high cost loan found in file. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10576 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10577 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10577 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10578 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX20 missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10578 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10578 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10578 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10578 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10578 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10578 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): XXXXto review for waive<br>Seller Comment (XX/XX/XXXX): XXXXTO WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10578 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10580 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Copy of appraisal is required to be delivered to the borrower within 3 business days of closing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10580 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10580 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $156.00 exceeds tolerance of $100.00 plus 10% or $110.00. $46.00 over legal limit. Insufficient or no cure was provided to the borrower. (0) | TILA-RESPA Integrated Disclosure Ten Percent Tolerance Violation Without Sufficient Cure Provided |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10580 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10580 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10580 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10580 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10580 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10581 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10581 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10581 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Deed Preparation Fee. Fee Amount of $37.50 exceeds tolerance of $0.00. $37.50 over legal limit. Insufficient or no cure was provided to the borrower. (77231) | Zero Percent Fee Tolerance exceeded for Deed Preparation Fee. Fee Amount of $37.50 on Final Closing Disclosure however not charged on Loan Estimate. $37.50.00 over legal limit. There is no cure amount or cure letter in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes | CMLTI 2026-1-10581 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10581 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10581 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10581 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10581 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10581 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10581 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10581 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX) | E-sign consent date is missing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10581 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10581 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | Missing initial application date. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10581 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10581 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing Initial application date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10581 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10581 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10581 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10581 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10581 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10581 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Missing AUS and Credit Report | Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Please provide 1008 reflecting DU and not LPA.<br>Seller Comment (XX/XX/XXXX): Per lender, The loan was manual underwritten to portfolio guidelines. The initial loan was assessed with DU but for FHA and this loan closed as a conventional. 1008 is accurate based on how the loan was underwritten. DTI is 31.519 so manual is acceptable<br>Reviewer Comment (XX/XX/XXXX): Please provide updated 1008 reflecting DU was used and not LPA.<br>Seller Comment (XX/XX/XXXX): DU and credit report attached |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10581 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10581 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Missing AUS. 1008 reflects LP was used to qualify. | Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Please provide 1008 reflecting DU and not LPA.<br>Seller Comment (XX/XX/XXXX): Per lender, The loan was manual underwritten to portfolio guidelines. The initial loan was assessed with DU but for FHA and this loan closed as a conventional. 1008 is accurate based on how the loan was underwritten. DTI is 31.519 so manual is acceptable<br>Reviewer Comment (XX/XX/XXXX): Please provide corrected 1008 reflecting DU.<br>Seller Comment (XX/XX/XXXX): DU findings were run. LP was not used to assess the loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10581 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10582 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10582 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10582 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10582 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10582 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10582 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10584 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10584 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10584 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10584 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10584 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10584 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10584 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10584 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10585 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing appraisal delivery. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10585 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10585 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10585 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10585 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10585 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10587 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (InitiXX/XX/XXXX) | Issue date is not provided and left blank on Closing Disclosure document datedXX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10587 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10587 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | As per final closing disclosure subsequent change is blank and same has been captured. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10587 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10587 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Principal and interest payment for stream 1 does not match the actual payment on final closing disclosure document |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10587 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10587 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Product disclosed on final closing disclosure document dated XX/XX/XXXX does not match with the actual product of the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10587 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10587 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129953) | Principal and interest payment for stream 1 does not match the actual payment on final closing disclosure document |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10587 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10587 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (InterXX/XX/XXXX) | Revised Loan Estimate dated 1XX/XX/XXXX22 was received on or after the Closing Disclosure document datedXX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10587 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10587 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,436.50 exceeds tolerance of $1,069.00 plus 10% or $1,175.90. $260.60 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Total 10% tolerance exceeded by 260.60. No valid COC provided. Insufficient cure provided at closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10587 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10587 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 7,137.02 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10587 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10589 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Missing XXXX personal signed tax returns. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10589 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10589 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | File is missing a complete 2-year employment history for the Co-Borrower.<br> Documents is missing: 1) Most recent 2 yrs Signed and Dated Personal Tax returns; Missing XXXX<br> Missing VVOE within 10 days for XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (XX/XX/XXXX): Missing third party verification for XXXX and co borrowers employment history less than 2 years.<br>Seller Comment (XX/XX/XXXX): They used a current jobs being performed and a contract with XXXX XXXX since Self Employed. returns uploaded on prior exception. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10589 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10589 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | File is missing a complete 2-year employment history for the Co-Borrower.<br> Documents is missing: 1) Most recent 2 yrs Signed and Dated Personal Tax returns; Missing XXXX<br> Missing VVOE within 10 days for XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Unable to verify borrower's 2 years employment history for co-borrower who has<br>Seller Comment (XX/XX/XXXX): SIGNED PERSONAL RETURNS UPLOADED AGAIN. ATTACHED THE VOE FROM LENDER AND THEIR COMMENTS WERE UPLOADED ON PRIOR EXCEPTION |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10589 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10589 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10589 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10589 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing VOE within 10 days for XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Unable to verify borrower's 2 years employment history for co-borrower who has been at the current job for 2 years. LOE provided insufficient to establish employment history<br>Seller Comment (XX/XX/XXXX): per lender, Verbal VOE not obtained for XXXXX. Provided LOX from borrower concerning work at XXXX however what was provided is all that was obtained.<br>Reviewer Comment (XX/XX/XXXX): Missing VOE within 10 days per XXXX.<br>Seller Comment (XX/XX/XXXX): They used a current jobs being performed and a contract with XXXX XXXX since Self Employed. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10589 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10589 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing a complete 2-year employment history for the Co-Borrower.<br> Documents is missing: 1) Most recent 2 yrs Signed and Dated Personal Tax returns; Missing XXXX<br> Missing VVOE within 10 days for XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Unable to verify borrower's 2 years employment history for co-borrower who has<br>Seller Comment (XX/XX/XXXX): ATTACHING THE PERSONAL RETURNS AGAIN WITH SIGNATURES ON THE LAST PAGES |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10589 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10590 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10590 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10590 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10590 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10590 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10590 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10590 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 4,302.98 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Amount of Estimated Property Costs over Year 1 of 4,302.98 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10590 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10590 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10590 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10590 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10590 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10590 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10590 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10590 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10590 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10590 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $59,900 Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10590 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10590 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Personal and business tax returns were not signed and dated. Only XXXX 1065 was signed. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Received signed and dated XXXX-XXXX business returns and signed and dated personal return XXXX. Pending receipt of signed and dated XXXX personal return.<br>Seller Comment (XX/XX/XXXX): attaching signed pages of the returns - all other pages in loan file |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10590 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10591 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10591 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10592 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXX/XXXX/XXXX) | Waterfall due to missing VVOE for the borrower, |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | C B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10592 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10592 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | C B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10592 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10592 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization NMLS information on loan documents does not match NMLS. | Loan Originator Organization NMLS information on loan documents does not match NMLS. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | C B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10592 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10592 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 3,215.16 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 3,215.16 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10592 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10592 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10592 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10592 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal was made subject to and 442 was not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Final inspection not provided to confirm complete<br>Seller Comment (XX/XX/XXXX): ATTACHED HOME PROGRESS REPORT |  |  |  | 3 C | XX/XX/XXXX | XX | Primary | Construction-Permanent | C B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10592 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10592 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. Unable to determine if the loan is subject to rescission due to missing information (unable to determine construction refinance type). | Appraisal is missing. Unable to determine if transaction is a renovation of prior home. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10592 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10592 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | C B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10592 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10592 | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Verification of rent is missing for the property located at XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | C B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10592 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10592 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | C B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10592 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10592 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing VVOE for the borrower,<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | C B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10592 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10592 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Waterfall due to missing VVOE for the borrower,<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | C B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10592 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10592 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | The file is missing a copy of the VVOE for the employer, Henry Ford Wyandotte Hospital.<br> applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Construction-Permanent | C B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10592 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10593 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10593 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10593 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10593 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10593 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10593 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10594 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10594 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10594 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal Report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10594 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10594 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing disclosure AP table reflects Subsequent Changes on every payment but note reflects payment change every 6 months. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10594 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10594 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 22,369.38 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Final Closing disclosure reflects Estimated Property Costs over Year 1 $22,369.38 which is 11 months of taxes and insurance. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10594 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10594 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM disclosure provided XX/XX/XXXX was not within 3 days of application XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10594 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10594 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10594 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10594 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Added XX/XX/XXXX- Lender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10594 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10594 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | DTI discrepancy due to departing residence not considered in DTI in lender's calculation. Guideline requires an executed sales contract for the current residence and provide confirmation that any financing contingencies have been cleared which are missing. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): The loan is testing against the standard APOR guides. Appendix Q requires an executed sales contract and confirmation that any financing contingencies have been cleared, to exclude departing residence from DTI.<br>Reviewer Comment (XX/XX/XXXX): The borrower is making interest only payments and the balance did not decrease based on the November, December and January payments, resulting in equity of 29.72%. Exception remains.<br>Seller Comment (XX/XX/XXXX): per lender, Guidelines allow for current residence to not be included in DTI if the there is at least 30% equity. Providing mortgage statement and AVM. Based on amortization, equity would have been at the 30% by the time the loan closed. It was slightly lower than 30% but underwriter approved the loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10594 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10595 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10595 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10595 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10595 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10595 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10595 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10595 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment<br>Seller Comment (XX/XX/XXXX): XXXXTO WAIVE<br>Reviewer Comment (XX/XX/XXXX): Required at time of closing, exception remains.<br>Seller Comment (XX/XX/XXXX): The loan is over 3 years seasoned past the statute of limitations. Exception should be downgraded. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10595 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10595 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The prior employment for, Ian, is missing a verbal VOE confirming the 2-year job history.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Loan is SHQM. XXXXto review<br>Seller Comment (XX/XX/XXXX): Loan is SHQM. XXXXto review |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10595 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10596 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $365.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10596 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10597 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10597 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10597 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10597 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10597 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10597 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10598 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10598 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10598 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10598 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10599 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10599 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10599 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $75.00 exceeds tolerance of $0.00. $75.00 over legal limit. Insufficient or no cure was provided to the borrower. (77183) | Title - Service Charges Fee was last disclosed as $0.00 on LE but disclosed as $75.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $75.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10599 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10600 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | Letter of Explanation, Re-Disclose Correct Information B A | N/A | N/A | Yes | CMLTI 2026-1-10600 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10600 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Calculation Years | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX did not disclose a range of years. (ProjSeq:1/3134521) | Closing Disclosure provided on XX/XX/XXXX did not disclose a range of years. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | N/A | N/A | Yes | CMLTI 2026-1-10600 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10600 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Calculation Years | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX did not disclose a range of years. (ProjSeq:2/3134522) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose a range of years. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | N/A | N/A | Yes | CMLTI 2026-1-10600 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10600 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3134520) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | N/A | N/A | Yes | CMLTI 2026-1-10600 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10600 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the maximum periodic principal and interest payment for payment stream 3. (ProjSeq:3/3134520) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose the maximum periodic principal and interest payment for payment stream 3. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | N/A | N/A | Yes | CMLTI 2026-1-10600 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10600 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3134521) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | N/A | N/A | Yes | CMLTI 2026-1-10600 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10601 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | Yes | CMLTI 2026-1-10601 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10601 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | : Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | Letter of Explanation, Re-Disclose Correct Information B A | N/A | N/A | Yes | CMLTI 2026-1-10601 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10602 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $XXXX. $575.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee increased to $1,000.00 on the Closing Disclosure XX/XX/XXXX. The cure provided at closing ($563.00) is insufficient to resolve tolerance violation. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10602 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10602 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing income verification documentation. XXXX 1040, XXXXted P&L Statement and Balance Sheet are missing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Exception remains missing a balance sheet<br>Seller Comment (XX/XX/XXXX): from lender - I only have the P and L for XXXX and 3 month bank statements. Providing this.<br>Reviewer Comment (XX/XX/XXXX): Missing a balance sheet<br>Seller Comment (XX/XX/XXXX): Personal Transcripts were provided but XXXX was not filed and evidence extension filed not required. Unsigned P and L was acceptable as it was accompanied by Bank Statements |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10602 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10602 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing income verification documentation. XXXX 1040, XXXXted P&L Statement and Balance Sheet are missing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (XX/XX/XXXX): Exception remains missing a balance sheet<br>Seller Comment (XX/XX/XXXX): from lender - I only have the P and L for XXXX and 3 month bank statements. Providing this.<br>Reviewer Comment (XX/XX/XXXX): Missing a balance sheet<br>Seller Comment (XX/XX/XXXX): Personal Transcripts were provided but XXXX was not filed and evidence extension filed not required. Unsigned P and L was acceptable as it was accompanied by Bank Statements |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10602 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10602 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10602 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10602 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing income verification documentation. XXXX 1040, XXXXted P&L Statement and Balance Sheet are missing. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $XXXX. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Exception remains missing a balance sheet<br>Seller Comment (XX/XX/XXXX): from lender - I only have the P and L for XXXX and 3 month bank statements. Providing this.<br>Reviewer Comment (XX/XX/XXXX): Missing a balance sheet<br>Seller Comment (XX/XX/XXXX): Personal Transcripts were provided but XXXX was not filed and evidence extension filed not required. Unsigned P and L was acceptable as it was accompanied by Bank Statements |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10602 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10603 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $610.00 exceeds tolerance of $495.00 plus 10% or $544.50. $65.50 over legal limit. Insufficient or no cure was provided to the borrower. (0) | 10% tolerance was exceeded by $248.40 due to an increase of Settlement Fee. No valid change of circumstance was provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10603 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10603 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $475.00. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee of $475.00 was changed to $500.00. The file does not contain a valid change of circumstance for this fee. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10603 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10605 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX, missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10605 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10605 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | AbilitXX/XX/XXXXpay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (XXXX,XXXX XXXX (XXXX)/Schedule C) | Missing verification of source of foreign income used to qualify. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Third party verification of SE was not provided for the Schedule C business or the P&L.<br>Seller Comment (XX/XX/XXXX): XXXX p&L not obtained<br>Reviewer Comment (XX/XX/XXXX): Appendex Q requirements, require a P&L statement for XXXX. Exception remains.<br>Seller Comment (XX/XX/XXXX): income docs uploaded |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10605 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10605 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Disclosure is missing from the file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10605 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10605 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Per guidelines, 7/1 ARM is qualified at the Note rate. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10605 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10605 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10605 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10605 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10605 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10605 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $403.00 exceeds tolerance of $215.00. Sufficient or excess cure was provided to the borrower at Closing. (7319) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10605 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10605 | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | XXXX permanent resident card is expired as of XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): XXXXto review<br>Reviewer Comment (XX/XX/XXXX): If an unexpired card or ext was not provided, then the client will need to consider waiving with verified compensation factors to an EV2/B. Assigned to client.<br>Seller Comment (XX/XX/XXXX): Per lender, We did not obtain another card. Only the expired version. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10605 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10605 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing signed and dated XXXX 1040. Missing yeaXX/XX/XXXXte profit and loss statement for C-Corp, per Appendix Q guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): The signed and dated XXXX personal return was not provided. Further, the P&L was not provided which is a requirement for Appendix Q/QM. If one was not obtained, then this loan fails QM/Appendix Q.<br>Seller Comment (XX/XX/XXXX): Per lender, P&L not obtained |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10605 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10605 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of 47.38% moderately exceed the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Loan Designation restated to Non-QM. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10605 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10605 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10605 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10606 | XXXX | XXXX | XXXX | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Incorrect Appraisal Form type: Appraisal Form 2055 (Exterior Only) used for incorrect Subject property type. | Valuation Type: Drive By / Valuation Report Date: XX/XX/XXXX Condo (Low Rise) | Per Appraisal and Approval subject is a Site Condominium. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10606 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10606 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10606 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10606 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10606 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10606 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10606 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10606 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10606 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10607 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Disclosure not provided |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10607 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10607 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10607 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10607 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10607 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10607 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10607 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10607 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10607 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10607 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing a yeaXX/XX/XXXXte profit and loss statement and balance sheet, per Appendix Q guides. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Exception remains. Loan is been tested against Appendix Q which requires all applicable Income and tax verification. Most recent 2 years signed and dated Partnership returns,YTD P & L statement and balance sheet required<br>Seller Comment (XX/XX/XXXX): P and Ls not obtained as business have been in existence greater than 5 years. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10607 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10608 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10608 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10608 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10608 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10609 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $570.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10609 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10610 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report datedXX/XX/XXXX missing evidence of receipt |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10610 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10610 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10610 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10610 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10610 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10610 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10610 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10611 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10611 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10611 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10611 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10613 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10613 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10614 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10614 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10614 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $450.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10614 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10615 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) | Receipt dated XX/XX/XXXX; however, appraisal report dated XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10615 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10615 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10615 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10615 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10615 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10615 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has verified disposable income of at least $XXXX. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10615 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10616 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $268.00 exceeds tolerance of $225.00 plus 10% or $247.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10616 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10616 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $325.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10616 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10618 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10618 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10618 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX) | Appraisal report date XX/XX/XXXX. Missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | D B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10618 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10618 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The only valuation provided was a Drive by. It is interpreted that this Drive By was used in lieu of URAR and that this file is missing the secondary valuation (GSE COVID19) |  | The primary appraisal is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): XXXXto Review.<br>Buyer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): XXXXTO REVIEW/ORDER<br>Reviewer Comment (XX/XX/XXXX): Missing a secondary valuation<br>Seller Comment (XX/XX/XXXX): ATTACHED APPRAISAL. EXTERIOR ONLY DUE TO COVID<br>Seller Comment (XX/XX/XXXX): EXTERIOR 2055 APPRAISAL UTILIZED - WAS ORIGINATED DURING COVID |  |  |  | 3 D | XX/XX/XXXX | XX | Primary | Purchase | D B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10618 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10618 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Per seller - Loan is over 5 years seasoned. XXXXto review/waive<br>Seller Comment (XX/XX/XXXX): Loan is over 5 years seasoned. XXXXto review/waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | D B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10618 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10618 | XXXX | XXXX | XXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The primary appraisal is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Exception remains, Missing primary appraisal<br>Seller Comment (XX/XX/XXXX): APPRAISAL WAS UPLOADED ON PRIOR EXCEPTION ON XXXX - IT IS AN EXTERIOR APPRAISAL DUE TO COVID |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | D B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10618 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10619 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10619 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10619 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10619 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10619 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10619 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10619 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Buyer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): XXXXTO WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10619 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10619 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $206.00 exceeds tolerance of $123.00 plus 10% or $135.30. Sufficient or excess cure was provided to the borrower at Closing. (0) | 10% tolerance was exceeded by $83.00 due to an increase in the recording fee. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10619 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10619 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Appraisal is required on the applicable standard Fannie Mae form 1004 or 1073. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Exception remains. Per guide, Appraisal is required on the applicable standard Fannie Mae form 1004 or 1073.<br>Seller Comment (XX/XX/XXXX): THIS WAS A COVID ORIGINATION. 1075 EXTERIOR WAS ORDERED. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10619 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10620 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date XX/XX/XXXX, Note Date XX/XX/XXXX | Policy provided expires XX/XX/XXXX, 1 month and 2 weeks after closing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10620 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10620 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10620 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10620 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10620 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10620 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $63.25 exceeds tolerance of $55.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10620 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10620 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing a yeaXX/XX/XXXXte profit and loss statement and balance sheet. for the S-Corp income. | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): The loan is testing to the Appendix Q standard guides. A profit and loss statement and balance sheet are required.<br>Seller Comment (XX/XX/XXXX): Per lender, P and L was not required as UW used XXXX and XXXX earnings. See rationale from UW for support. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10620 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10621 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-563.00. Insufficient or no cure was provided to the borrower. (9300) | Lender Credits was last disclosed as $0.00 on LE but disclosed as -$563.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10621 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10621 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Disclosure provided onXX/XX/XXXX, not within 3 days of application date, 1XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10621 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10621 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Disclosure provided on XX/XX/XXXX, not within 3 days of application date, 1XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10621 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10621 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Disclosure provided on XX/XX/XXXX, not within 3 days of application date, 1XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10621 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10622 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10622 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10622 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXX) | Third-party verification of borrower's start date with XXXX. was missing from loan documents. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10622 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10622 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10622 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10622 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed a Subsequent Changes period that does not match the actual terms for the loan; no subsequent changes. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10622 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10622 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - Pre 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of 1,918.07 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | The final Closing Disclosure disclosed the Amount of Escrowed Property Costs over Year 1 as $1,918.07 on page 4; however, the Property Taxes ($1,240.44) and Insurance ($852.00) total $2,092.44 per year. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10622 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10622 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10622 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10622 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment did not disclose the frequency of adjustments. (FinXX/XX/XXXX) | Final Closing Disclosure did not disclose the frequency of adjustments; adjusts once. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10622 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10622 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal completed "subject to completion"; no 442 or other evidence provided. | Borrower has verified disposable income of at least $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Per seller - Per lender, cannot provide the final inspection. XXXX XXXX loan they completed. Cannot locate final inspection or COO in OnBase<br>Seller Comment (XX/XX/XXXX): Per lender, cannot provide the final inspection. XXXX XXXX loan they completed. Cannot locate final inspection or COO in OnBase |  |  | XXXX | 3 C | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10622 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10622 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): loan over 3 years seasoned. XXXXto waive/review |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10622 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10622 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 is missing from file. | Borrower has verified disposable income of at least $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Exception remains. Unable to provide final 1003<br>Seller Comment (XX/XX/XXXX): Per lender, unable to provide final 1003 |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10622 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10622 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Third-party verification of borrower's start date with XXXX. was missing from loan documents.<br> pplications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Per seller - Disagree, a 10 day paystub is in essence similar to a work #XXXXwhich it shows the borrower is still actively employed with payment information. the 10 day paystub meets the voe requirement<br>Seller Comment (XX/XX/XXXX): Disagree, a 10 day paystub is in essence similar to a work #XXXXwhich it shows the borrower is still actively employed with payment information. the 10 day paystub meets the voe requirement<br>Reviewer Comment (XX/XX/XXXX): Per guidelines provided at time of review, paystubs not sufficient for 10 day PCV requirement.<br>Seller Comment (XX/XX/XXXX): attached paystub within 10 business days of closing. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10622 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10622 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Third-party verification of borrower's start date with XXXX. was missing from loan documents.<br> pplications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Per seller - Disagree, a 10 day paystub is in essence similar to a work #XXXXwhich it shows the borrower is still actively employed with payment information. the 10 day paystub meets the voe requirement<br>Seller Comment (XX/XX/XXXX): Disagree, a 10 day paystub is in essence similar to a work #XXXXwhich it shows the borrower is still actively employed with payment information. the 10 day paystub meets the voe requirement<br>Reviewer Comment (XX/XX/XXXX): Per guidelines provided at time of review, paystubs not sufficient for 10 day PCV requirement.<br>Seller Comment (XX/XX/XXXX): attached paystub within 10 business days of closing. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10622 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10622 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Third-party verification of borrower's start date with XXXX. was missing from loan documents.<br> applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Per seller - Disagree, a 10 day paystub is in essence similar to a work #XXXXwhich it shows the borrower is still actively employed with payment information. the 10 day paystub meets the voe requirement<br>Seller Comment (XX/XX/XXXX): Disagree, a 10 day paystub is in essence similar to a work #XXXXwhich it shows the borrower is still actively employed with payment information. the 10 day paystub meets the voe requirement<br>Reviewer Comment (XX/XX/XXXX): Per guidelines provided at time of review, paystubs not sufficient for 10 day PCV requirement.<br>Seller Comment (XX/XX/XXXX): attached paystub within 10 business days of closing. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C B | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10622 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10623 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report datedXX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10623 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10623 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Disclosure was not found in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10623 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10623 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10623 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10623 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10623 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10623 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10623 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10624 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | New exception generated. Appraisal report dated XX/XX/XXXX missing evidence of receipt.<br> Or |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10624 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10624 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10624 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10624 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10624 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10624 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | File is missing E-Sign Consent document. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10624 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10627 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal Report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10627 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10627 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10627 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10627 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10627 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10628 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10628 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10628 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10628 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10628 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10628 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10629 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $225.60 exceeds tolerance of $0.00. $225.60 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points was disclosed on initial Loan Estimate as $0.00, but on the final Closing Disclosure it was $225.60. The file does not contain a valid Change of Circumstance for this fee, nor is evidence of cure provided in the file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10629 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10629 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10629 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10629 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10629 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10631 | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Closing discrepancy. | Documented qualifying Assets of is less than AUS Available for Closing of $XXXX. | Approval required $XXXX in assets, and this was not provided in file. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): AUS required $XXXX and we are missing assets.<br>Seller Comment (XX/XX/XXXX): CD provided shows $0 to close. This is sufficient evidence to reflect borrower satisfied funds to close portion of LP. $74 insignificant amount to have LP reran to reflect $0.<br>Reviewer Comment (XX/XX/XXXX): 1008 and LPA both require $XXXX, exception remains.<br>Seller Comment (XX/XX/XXXX): No assets needed to close per CD. AUS not required to be rerun. no assets required for reserves. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10631 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10631 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. | Calculated qualifying asset balance of is less than AUS qualifying asset balance of $XXXX. | Approval required $XXXX in assets, and this was not provided in file. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): AUS required $XXXX and we are missing assets.<br>Seller Comment (XX/XX/XXXX): CD provided shows $0 to close. This is sufficient evidence to reflect borrower satisfied funds to close portion of LP. $74 insignificant amount to have LP reran to reflect $0.<br>Reviewer Comment (XX/XX/XXXX): 1008 and LPA both require $XXXX, exception remains.<br>Seller Comment (XX/XX/XXXX): No assets needed to close per CD. AUS not required to be rerun. no assets required for reserves. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10631 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10631 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Approval required $XXXX in assets, and this was not provided in file. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): AUS required $XXXX and we are missing assets.<br>Seller Comment (XX/XX/XXXX): CD provided shows $0 to close. This is sufficient evidence to reflect borrower satisfied funds to close portion of LP. $74 insignificant amount to have LP reran to reflect $0.<br>Reviewer Comment (XX/XX/XXXX): 1008 and LPA both require $XXXX, exception remains.<br>Seller Comment (XX/XX/XXXX): No assets needed to close per CD. AUS not required to be rerun. no assets required for reserves. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10631 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10631 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. | Designation has been restated. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10631 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10632 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): LOAN IS OVER 4 YEARS SEASONED. XXXXTO REVIEW/WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10632 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10634 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | XX/XX/XXXX CD indicates a total in section G for the initial escrow payment at closing of $1,941.48; however, the Initial Escrow Account Disclosure reflects an initial deposit of $2,107.48. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | CMLTI 2026-1-10634 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10635 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $512.40 exceeds tolerance of $0.00. $512.40 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $512.40 exceeds tolerance of $0.00. $512.40 over legal limit. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10635 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10636 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10636 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10636 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10636 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10636 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10636 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10636 | XXXX | XXXX | XXXX | Credit | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Valuation Error: Appraiser did not complete analysis of the subject's prior sale and transfer history. | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Acknowledged. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10636 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10637 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. | The loan originator license was issued after application date. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10637 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10638 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | The file was missing the verbal verification of employment obtained within ten business days of closing. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Lender agrees.<br>Seller Comment (XX/XX/XXXX): Verbal VOE not obtained for XXXX<br>Reviewer Comment (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10638 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10638 | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing: Employer Letter, Paystub, Account Statement within 10 days before note date or prior to disbursement date. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX Note Date: XX/XX/XXXX |  | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Lender agrees.<br>Seller Comment (XX/XX/XXXX): Verbal VOE not obtained for XXXX<br>Reviewer Comment (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10638 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10638 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Employment verification dated within 10 days was not provided. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Lender agrees.<br>Seller Comment (XX/XX/XXXX): Verbal VOE not obtained for XXXX<br>Reviewer Comment (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10638 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10638 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Employment verification dated within 10 days was not provided for co-borrower. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Lender agrees.<br>Seller Comment (XX/XX/XXXX): Verbal VOE not obtained for XXXX<br>Reviewer Comment (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10638 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10638 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. | Designation has been restated. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10638 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10640 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10640 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10640 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to employment history less than 1 year. Borrower was a student prior to current employment and missing school transcript for XXXX | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): Per lender, it was not required since she graduated from XXXX and this established the qualification for the program.<br>Reviewer Comment (XX/XX/XXXX): Please provide transcripts or Diploma for XXXX.<br>Seller Comment (XX/XX/XXXX): sent college diploma showing graduated XXXX. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10640 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10640 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10640 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10640 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10640 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10641 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10641 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10641 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10641 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10641 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10641 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10642 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $87.00 exceeds tolerance of $61.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10642 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10643 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report datedXX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10643 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10643 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10643 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10643 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10643 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10644 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Waterfall due to Credit reports received for both borrowers; however, FICO scores are not available. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): One of the compensating factors for the FICO is reserves. There are no assets in the file to confirm reserves.<br>Seller Comment (XX/XX/XXXX): EXCEPTION APPROVAL FOR CREDIT SCORES UPLOADED XXXX<br>Reviewer Comment (XX/XX/XXXX): Per lender approved exception tri-merged scores <660. Credit scores for both borrowers missing. Lender exception doesn't address absence of scores<br>Seller Comment (XX/XX/XXXX): Per page 2 of the attached shows loan approvedXX/XX/XXXX. Exception detail on 1st page in the attached for both the housing ratio and the fico<br>Reviewer Comment (XX/XX/XXXX): Exception remains. Client agrees<br>Seller Comment (XX/XX/XXXX): AGREE, CREDIT REPORT SHOWS NO TRADELINES NO CREDIT THEREFORE NO SCORES. LENDER MADE EXCEPTION FOR NO SCORE/< 640 FICO FOR THIS LOAN. VOM IN FILE. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10644 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10644 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Waterfall due to Credit reports received for both borrowers; however, FICO scores are not available. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10644 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10644 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - TIEFF. Fee Amount of $5.00 exceeds tolerance of $0.00. $5.00 over legal limit. Insufficient or no cure was provided to the borrower. (7712) | Zero Percent Fee Tolerance exceeded for Title - TIEFF. Fee Amount of $5.00 exceeds tolerance of $0.00. $5.00 over legal limit. Missing a valid COC. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10644 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10644 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10644 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10644 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10644 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10644 | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Lender Exception provided for Tri-Merged scores of less than 660. Compensating Factors: LTV less than 70%, Solid Reserves, Seasoned payment history higher than proposed new payment, Low LTV - Solid Reserves. Credit reports received for both borrowers; however, FICO scores are not available. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): One of the compensating factors for the FICO is reserves. There are no assets in the file to confirm reserves.<br>Seller Comment (XX/XX/XXXX): ATTACHED EXCEPTION APPROVAL FOR CREDIT SCORE<br>Reviewer Comment (XX/XX/XXXX): Per lender approved exception tri-merged scores <660. Credit scores for both borrowers missing. Lender exception doesn't address absence of scores<br>Seller Comment (XX/XX/XXXX): Per page 2 of the attached shows loan approvedXX/XX/XXXX. Exception detail on 1st page in the attached for both the housing ratio and the fico<br>Reviewer Comment (XX/XX/XXXX): Exception remains. Lender exception request not approved<br>Seller Comment (XX/XX/XXXX): Per lender - Borrowers had no credit scores based on the credit report pulled.<br>Seller Comment (XX/XX/XXXX): ATTACHED THE CREDIT REPORT WITH LAST PAGES SHOWING CREDIT SCORE UNAVAILABLE<br>Seller Comment (XX/XX/XXXX): AGREE, CREDIT REPORT SHOWS NO TRADELINES NO CREDIT THEREFORE NO SCORES. LENDER MADE EXCEPTION FOR NO SCORE/< 660 FICO FOR THIS LOAN. VOM IN FILE. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10644 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10644 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy was not found in file. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Exception remains. Complete Hazard Insurance Policy required<br>Seller Comment (XX/XX/XXXX): attached hoi |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10644 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10644 | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of is less than Guideline representative FICO score of 640. | Credit reports received for both borrowers; however, FICO scores are not available. Lender Exception provided for Tri-Merged scores of less than 660. Compensating Factors: LTV less than 70%, Solid Reserves, Seasoned payment history higher than proposed new payment, Low LTV - Solid Reserves. Credit reports received for both borrowers; however, FICO scores are not available. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): One of the compensating factors for the FICO is reserves. There are no assets in the file to confirm reserves.<br>Seller Comment (XX/XX/XXXX): EXCEPTION APPROVAL FOR CREDIT SCORES UPLOADED XXXX<br>Reviewer Comment (XX/XX/XXXX): Per lender approved exception tri-merged scores <660. Credit scores for both borrowers missing. Lender exception doesn't address absence of scores<br>Seller Comment (XX/XX/XXXX): Per page 2 of the attached shows loan approvedXX/XX/XXXX. Exception detail on 1st page in the attached for both the housing ratio and the fico<br>Reviewer Comment (XX/XX/XXXX): Exception remains. Lender exception request not approved<br>Seller Comment (XX/XX/XXXX): AGREE, CREDIT REPORT SHOWS NO TRADELINES NO CREDIT THEREFORE NO SCORES. LENDER MADE EXCEPTION FOR NO SCORE/< 660 FICO FOR THIS LOAN. VOM IN FILE. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10644 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10646 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Waterfall due to DTI exceeding guideline maximum. Total verified income of $XXXX, qualifying PITIA $XXXX, credit debt $XXXX, primary PITIA $XXXX, and negative REO of $XXXX. Lender 1008 approved with a DTI XX%. However, a lender-approved exception for higher DTI with a compensating factor was not in file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10646 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10646 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10646 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10646 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes | CMLTI 2026-1-10646 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10646 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - Pre 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 7,176.29 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | The final Closing Disclosure disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $7,176.29 on page 4; however, the total property costs are $4,246.68 per year. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes | CMLTI 2026-1-10646 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10646 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed a first change minimum, maximum, and payment period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes | CMLTI 2026-1-10646 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10646 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes | CMLTI 2026-1-10646 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10646 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3130532) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes | CMLTI 2026-1-10646 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10646 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10646 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10646 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Total verified income of $XXXX, qualifying PITIA $XXXX, credit debt $XXXX, primary PITIA $XXXX, and negative REO of $XXXX. Lender 1008 approved with a DTI XX%. However, a lender-approved exception for higher DTI with a compensating factor was not in file. | Borrower has verified disposable income of at least $XXXX. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Per seller - ATTACHED APPROVAL WITH DTI OVER 45% ALONG WITH EXCEPTION REQUEST THAT LIST COMPENSATING FACTOR OF OVER $XXXX NET WORTH FOR BORROWER.<br>Seller Comment (XX/XX/XXXX): ATTACHED APPROVAL WITH DTI OVER 45% ALONG WITH EXCEPTION REQUEST THAT LIST COMPENSATING FACTOR OF OVER $XXXX NET WORTH FOR BORROWER. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10646 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10646 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of 47.86% moderately exceed the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Total verified income of $XXXX, qualifying PITIA $XXXX, credit debt $XXXX, primary PITIA $XXXX, and negative REO of $XXXX. Lender 1008 approved with a DTI XX%. However, a lender-approved exception for higher DTI with a compensating factor was not in file. | Borrower has verified disposable income of at least $XXXX. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Per seller - ATTACHED APPROVAL WITH DTI OVER 45% ALONG WITH EXCEPTION REQUEST THAT LIST COMPENSATING FACTOR OF OVER $XXXX NET WORTH FOR BORROWER.<br>Seller Comment (XX/XX/XXXX): ATTACHED APPROVAL WITH DTI OVER 45% ALONG WITH EXCEPTION REQUEST THAT LIST COMPENSATING FACTOR OF OVER $XXXX NET WORTH FOR BORROWER. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10646 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10647 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10647 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10647 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10647 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10647 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10647 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10648 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing receipt of XX/XX/XXXX report; receipt of earlier report was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10648 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10648 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10648 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10648 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10648 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10648 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall issue due to 2 years employment history and/or prior employment. Unable to verify borrower's 2-year history of employment. Borrower has been employed by XXXX since XXXX; however, only the XXXX W2 is in file, and the previous year was not provided. Furthermore, the borrower had an employment gap from XX/XX/XXXX through XX/XX/XXXX. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Seller Comment (XX/XX/XXXX): Lender did not obtain gap letter. XXXXto review<br>Reviewer Comment (XX/XX/XXXX): Per guidelines provided at time of review "Written explanation required for gaps in employment > one month"<br>Seller Comment (XX/XX/XXXX): per lender, LOX for Gap in employment not required as it was not significant and borrower was currently employed.<br>Reviewer Comment (XX/XX/XXXX): Wil wait for possible gap of employment letter<br>Seller Comment (XX/XX/XXXX): attached prior VOE confirming employment from XXXX-XXXX. Will see if LOE for gap was obtained |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10648 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10649 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing verification of employment within 10 business days of note for coborrower. Letter of explanation for gap in employment of more than 30 days for coborrower was not provided. Insurance verification was not provided for Harmans property. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (XX/XX/XXXX): Exception will remain. Missing a gap of employment letter.<br>Seller Comment (XX/XX/XXXX): Per lender, No gap letter obtained<br>Reviewer Comment (XX/XX/XXXX): Loan file is still missing Letter of explanation for borrower's gap in employment.<br>Seller Comment (XX/XX/XXXX): Complete. Paystubs provided would be for 10 business days. Pay cycle ended on XXXX for both borrowers. New paystubs would have been received day of closing XXXX so the paysubs dated XXXX we deemed acceptable. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10649 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10649 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Waterfall due to missing verification of employment within 10 business days of note for coborrower. Letter of explanation for gap in employment of more than 30 days for coborrower was not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10649 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10649 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing verification of employment within 10 business days of note for coborrower. Letter of explanation for gap in employment of more than 30 days for coborrower was not provided. Insurance verification was not provided for XXXX property. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Exception will remain. Missing a gap of employment letter.<br>Seller Comment (XX/XX/XXXX): Per lender, No gap letter obtained<br>Reviewer Comment (XX/XX/XXXX): Loan file is still missing Letter of explanation for borrower's gap in employment.<br>Seller Comment (XX/XX/XXXX): Complete. Paystubs provided would be for 10 business days. Pay cycle ended on XXXX for both borrowers. New paystubs would have been received day of closing XXXX so the paysubs dated XXXX we deemed acceptable. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10649 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10649 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10649 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10649 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10649 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10649 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Verification of employment not provided within 10 business days of note for coborrower. Letter of explanation for gap in employment of more than 30 days for coborrower was not provided. Insurance verification was not provided for Harmans property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Exception will remain. Missing a gap of employment letter.<br>Seller Comment (XX/XX/XXXX): Per lender, No gap letter obtained<br>Reviewer Comment (XX/XX/XXXX): Loan file is still missing Letter of explanation for Co-borrower's gap in employment.<br>Seller Comment (XX/XX/XXXX): Complete. Paystubs provided would be for 10 business days. Pay cycle ended on XXXX for both borrowers. New paystubs would have been received day of closing XXXX so the paysubs dated XXXX we deemed acceptable. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10649 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10650 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10650 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10650 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10650 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10651 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10651 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10651 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10651 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10652 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10652 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10653 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (InitiXX/XX/XXXX) | Issue date was left blank on Closing Disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Non QM | Yes | CMLTI 2026-1-10653 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10653 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan Designation restated to Non-QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10653 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10653 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Loan Designation restated to Non-QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10653 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10653 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10653 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10653 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing the source of the grant of $XXXX. The only document provided is the final Closing Disclosure reflecting the grant. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Supporting documents for XXXgrant was not provided.<br>Seller Comment (XX/XX/XXXX): Per lender, no documentation for the grant. the funds act like a gift in this case. There is no retention agreement signed so there is no silent secondary lien. Funds are really a gift vs. grant where a grant is generally a forgivable lien.<br>Reviewer Comment (XX/XX/XXXX): Please provide all documentation for XXXgrant.<br>Seller Comment (XX/XX/XXXX): This is a form of Downpayment Assistance that is a gift and not a lien. This is an XXXprogram and some of the DPA's are recorded and some are not. This is an example of one that is a gift so no underlying lien. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10653 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10655 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10655 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10655 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10655 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10655 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10655 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10656 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/3139535) | Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10656 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10656 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580) | Tax Service Fee increased on closing disclosure XX/XX/XXXX with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10656 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10656 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Disclosure not provided |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10656 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10656 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10656 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10656 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10656 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10656 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10656 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10656 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. Lender used a below note rate as the qualifiying rate instead of qualifying at start rate. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): DTI exceeded max allowed. Per approval P&I is $XXX however subject P&I is $XXX.<br>Seller Comment (XX/XX/XXXX): This was an error and the loan should have been qualified at a rate of XX. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10656 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10657 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $0.00 is under disclosed by $301,466.10 compared to the calculated total of payments of $301,466.10 which exceeds the $35.00 threshold. (FinXX/XX/XXXX) | Final Closing Disclosure is incomplete, which triggered a variance in the Total of Payments. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10657 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10657 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (FinXX/XX/XXXX) | The Lender Contact Name and Contact NMLS ID was not disclosed on the Closing Disclosure issued XX/XX/XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): No new documents were noted in trailing documents.<br>Reviewer Comment (XX/XX/XXXX): SitusAMC the final CD is blank in several places but was signed by the borrower and was included in the loan file and therefore must be tested. Please provide an attestation from the lender confirming the incomplete CD was generated and inadvertently included by the settlement agent solely for the purpose of disclosing fees, notwithstanding the fact that the lender did not authorize or assign the settlement agent responsibility for issuing a CD, and the lender-issued CD at consummation signed by the consumer is the final CD that contains all disclosures required under 1026.19(f). |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10657 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10657 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether Homeowners Insurance is included in escrow. (FinXX/XX/XXXX) | The Projected Payments section on page 1 of the Closing Disclosure indicated the loan would have escrows for both taxes and insurance; however, page 2 did not reflect that escrows were collected. |  |  |  | Reviewer Comment (XX/XX/XXXX): No new documents were noted in trailing documents.<br>Reviewer Comment (XX/XX/XXXX): SitusAMC the final CD is blank in several places but was signed by the borrower and was included in the loan file and therefore must be tested. Please provide an attestation from the lender confirming the incomplete CD was generated and inadvertently included by the settlement agent solely for the purpose of disclosing fees, notwithstanding the fact that the lender did not authorize or assign the settlement agent responsibility for issuing a CD, and the lender-issued CD at consummation signed by the consumer is the final CD that contains all disclosures required under 1026.19(f). |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10657 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10657 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether property taxes are included in escrow. (FinXX/XX/XXXX) | Page 1 of the Closing Disclosure shows property taxes are included in escrow, but nothing was collected or noted on page 2. |  |  |  | Reviewer Comment (XX/XX/XXXX): No new documents were noted in trailing documents.<br>Reviewer Comment (XX/XX/XXXX): SitusAMC the final CD is blank in several places but was signed by the borrower and was included in the loan file and therefore must be tested. Please provide an attestation from the lender confirming the incomplete CD was generated and inadvertently included by the settlement agent solely for the purpose of disclosing fees, notwithstanding the fact that the lender did not authorize or assign the settlement agent responsibility for issuing a CD, and the lender-issued CD at consummation signed by the consumer is the final CD that contains all disclosures required under 1026.19(f). |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10657 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10657 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Closing Disclosure pages 1 and 2 indicate no escrows; however, page 4 indicates there will be an escrow account but lists all expenses as non-escrowed. |  |  |  | Reviewer Comment (XX/XX/XXXX): No new documents were noted in trailing documents.<br>Reviewer Comment (XX/XX/XXXX): SitusAMC the final CD is blank in several places but was signed by the borrower and was included in the loan file and therefore must be tested. Please provide an attestation from the lender confirming the incomplete CD was generated and inadvertently included by the settlement agent solely for the purpose of disclosing fees, notwithstanding the fact that the lender did not authorize or assign the settlement agent responsibility for issuing a CD, and the lender-issued CD at consummation signed by the consumer is the final CD that contains all disclosures required under 1026.19(f). |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10657 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10657 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | The Projected Payments section on page 1 of the Closing Disclosure indicated the loan would have escrows for both taxes and insurance; however, page 2 did not reflect that escrows were collected. |  |  |  | Reviewer Comment (XX/XX/XXXX): No new documents were noted in trailing documents.<br>Reviewer Comment (XX/XX/XXXX): SitusAMC the final CD is blank in several places but was signed by the borrower and was included in the loan file and therefore must be tested. Please provide an attestation from the lender confirming the incomplete CD was generated and inadvertently included by the settlement agent solely for the purpose of disclosing fees, notwithstanding the fact that the lender did not authorize or assign the settlement agent responsibility for issuing a CD, and the lender-issued CD at consummation signed by the consumer is the final CD that contains all disclosures required under 1026.19(f). |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10657 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10657 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: APR oXX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR ofXX% outside ofXX% tolerance. (FinXX/XX/XXXX) | APR ofXX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR ofXX% outside ofXX% tolerance due to incomplete Final Closing Disclosure. |  |  |  | Reviewer Comment (XX/XX/XXXX): No new documents were noted in trailing documents. |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10657 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10657 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $0.00 is under disclosed by $55,146.97 compared to the calculated Finance Charge of $55,146.97 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Finance charge variance due to Final Closing Disclosure being incomplete. |  |  |  | Reviewer Comment (XX/XX/XXXX): No new documents were noted in trailing documents. |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10657 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10657 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). (FinXX/XX/XXXX) | Incomplete Closing Disclosure was signed by the borrower. |  |  |  | Reviewer Comment (XX/XX/XXXX): SitusAMC the final CD is blank in several places but was signed by the borrower and was included in the loan file and therefore must be tested. Please provide an attestation from the lender confirming the incomplete CD was generated and inadvertently included by the settlement agent solely for the purpose of disclosing fees, notwithstanding the fact that the lender did not authorize or assign the settlement agent responsibility for issuing a CD, and the lender-issued CD at consummation signed by the consumer is the final CD that contains all disclosures required under 1026.19(f). |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | If complete CD was provided to consumer at consummation, provide copy of complete CD with all pages for review.<br>If complete CD was not provided to the consumer at consummation, inaccurate disclosures and under/over disclosures resulting from incomplete closing disclosure will require a cure. Provide the following: Letter of Explanation notifying borrower or error, Complete CD with accurate disclosures, copy of refund for any required restitution, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10657 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10657 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed (FinXX/XX/XXXX) | Page 1 of Closing Disclosure issued XX/XX/XXXX lists Estimated Taxes, Insurance & Assessments of $1,460.90 monthly. However, page 4 non-escrowed Estimated Property Costs over Year 1 is $0.00 of monthly amount times 12. |  |  |  | Reviewer Comment (XX/XX/XXXX): SitusAMC the final CD is blank in several places but was signed by the borrower and was included in the loan file and therefore must be tested. Please provide an attestation from the lender confirming the incomplete CD was generated and inadvertently included by the settlement agent solely for the purpose of disclosing fees, notwithstanding the fact that the lender did not authorize or assign the settlement agent responsibility for issuing a CD, and the lender-issued CD at consummation signed by the consumer is the final CD that contains all disclosures required under 1026.19(f). |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10657 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10658 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - Pre October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX.XXXX) | Loan Disclosures: Non-Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. Appraisal reflects HOA dues are $150.00/year. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10658 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10658 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $375.00 exceeds tolerance of $0.00. $375.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points. Fee Amount of $375.00 exceeds tolerance of $0.00. $375.00 over legal limit. with no valid change of circumstances and no cure was provided to borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10658 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10658 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $45.90 exceeds tolerance of $44.00. $1.90 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Credit Report Fee. Fee Amount of $45.90 exceeds tolerance of $44.00. $1.90 over legal limit. with no valid change of circumstances and no cure was provided to borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10658 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10659 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall exception due to borrower on current job for less than 2 years. 2 Years Schedule F Provided for Farming Loss is missing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Loan is being tested against appendix Q. Exception remains due to missing year to date P& L and Balance sheet statements<br>Reviewer Comment (XX/XX/XXXX): Income loss was included in DTI from farming.<br>Seller Comment (XX/XX/XXXX): a p&L is not required for the farming as it was a loss and loss used in dti<br>Reviewer Comment (XX/XX/XXXX): Exception remains.Most recent year to date P& L and Balance sheet statements for XXXX required<br>Seller Comment (XX/XX/XXXX): TWO YEARS SCH F AND COMPLETE RETURNS UPLOADED. SMALL LOSS DEDUCTED FROM BORR INCOME |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10659 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10659 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall exception due to borrower on current job for less than 2 years. 2 Years Schedule F Provided for Farming Loss is missing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (XX/XX/XXXX): Loan is being tested against appendix Q. Exception remains due to missing year to date P& L and Balance sheet statements<br>Seller Comment (XX/XX/XXXX): Again, a P&L is not required for Negative income that was used against the borrower.<br>Reviewer Comment (XX/XX/XXXX): Income loss was included in DTI from farming.<br>Seller Comment (XX/XX/XXXX): a p&L is not required for the farming as it was a loss and loss used in dti<br>Reviewer Comment (XX/XX/XXXX): Exception remains.Most recent year to date P& L and Balance sheet statements for XXXX required<br>Seller Comment (XX/XX/XXXX): TWO YEARS SCH F AND COMPLETE RETURNS UPLOADED. SMALL LOSS DEDUCTED FROM BORR INCOME |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10659 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10659 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10659 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10659 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Exception remains. Hazard Insurance policy not found in trailing mail<br>Seller Comment (XX/XX/XXXX): attached hoi |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10659 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10659 | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | Single Family Detached | Subject Property is in the agricultural zone and income producing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Exception remains.Exception is due to zoning<br>Seller Comment (XX/XX/XXXX): this property had a loss of $XXX in XXXX and loss of $XXX in XXXX - I'd say it's hardly used for farming. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10659 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10659 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall exception due to borrower on current job for less than 2 years. 2 Years Schedule F Provided for Farming Loss is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Loan is being tested against appendix Q. Exception remains due to missing year to date P& L and Balance sheet statements<br>Reviewer Comment (XX/XX/XXXX): Income loss was included in DTI from farming.<br>Seller Comment (XX/XX/XXXX): a p&L is not required for the farming as it was a loss and loss used in dti<br>Reviewer Comment (XX/XX/XXXX): Exception remains.Most recent year to date P& L and Balance sheet statements for XXXX required<br>Seller Comment (XX/XX/XXXX): TWO YEARS SCH F AND COMPLETE RETURNS UPLOADED. SMALL LOSS DEDUCTED FROM BORR INCOME<br>Seller Comment (XX/XX/XXXX): attached two years sch F that was in the file along with two years complete returns. lender used the very small 24 month loss in DTI. Nothing else is needed for the loss |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10659 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10660 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10660 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10660 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Disclosure not provided |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10660 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10660 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10660 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10660 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10660 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10660 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Disclosure not provided | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10660 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10661 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10661 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10662 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10662 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10662 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10662 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10662 | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Twelve month verification of rent was not found in loan file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Payment scheduled only lists from XXXX.XXXX - XXXX. The second VOR in file does not reflect to/from dates. Missing VOR from XX/XX/XXXX.<br>Seller Comment (XX/XX/XXXX): 1st VOR covers XX/XX/XXXX to XX/XX/XXXX (over 2 years verified 0 lates) 2nd VOR in file is from XX/XX/XXXX to XX/XX/XXXX. Highlighted on the report where it shows move in date of XX/XX/XXXX to 6/XXXX and from first page of VOR for this lease account is satisfactory.<br>Reviewer Comment (XX/XX/XXXX): Guides require 12 mos. VOR. VOR for departure res. says "see statement" then only lists payment for XXXX. Move in dateXX/XX/XXXXclosed XX/XX/XXXX.<br>Seller Comment (XX/XX/XXXX): attached VOR<br>Reviewer Comment (XX/XX/XXXX): This is a credit guideline requirement. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10662 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10662 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10662 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10662 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Twelve month verification of rent was not found in loan file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Payment scheduled only lists from XXXXXXXX - XXXX. The second VOR in file does not reflect to/from dates. Missing VOR from XX/XX/XXXX.<br>Seller Comment (XX/XX/XXXX): 1st VOR covers XX/XX/XXXX to XX/XX/XXXX (over 2 years verified 0 lates) 2nd VOR in file is from XX/XX/XXXX to XX/XX/XXXX. Highlighted on the report where it shows move in date of XX/XX/XXXX to 6/XXXX and from first page of VOR for this lease account is satisfactory.<br>Reviewer Comment (XX/XX/XXXX): Guides require 12 mos. VOR. VOR for departure res. says "see statement" then only lists payment for XXXX. Move in dateXX/XX/XXXXclosed XX/XX/XXXX.<br>Seller Comment (XX/XX/XXXX): attached vor<br>Reviewer Comment (XX/XX/XXXX): This is a credit guideline requirement. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10662 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10663 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $103.20 exceeds tolerance of $0.00. $103.20 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10663 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10663 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10663 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10663 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10663 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10664 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Transfer letter is missing |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10664 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10664 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10664 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10664 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10664 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10664 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10664 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10666 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10666 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Initial Application document are required |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10666 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Missing Evidence of Initial Loan Application Date |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10666 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Initial Loan Application Date missing |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10666 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $170,990.72 is over disclosed by $495.00 compared to the calculated Amount Financed of $170,495.72 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | re provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $170,990.72 is over disclosed by $495.00 compared to the calculated Amount Financed of $170,495.72 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10666 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $98,668.69 is under disclosed by $495.00 compared to the calculated Finance Charge of $99,163.69 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $98,668.69 is under disclosed by $495.00 compared to the calculated Finance Charge of $99,163.69 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10666 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on XX/XX/XXXX disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. (FinXX/XX/XXXX) | Final Closing Disclosure Other Includes Insurance Costs |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | Good Faith Redisclosure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10666 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10666 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10666 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10666 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | CHARM Booklet are required |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10666 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal Transfer Letter are required |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10666 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Initial Application are required |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10666 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10666 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: Condo (Low Rise) | Properties with more than 10 acres | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. |  | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Exception remains, properties more than 10 acres are ineligible per guides.<br>Seller Comment (XX/XX/XXXX): CONDO PROJECT IN ITS ENTIRETY IS ON XX ACRES. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10666 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $86.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $86.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10666 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. |  | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10666 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10667 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report datedXX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10667 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10667 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10667 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10668 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX) | The earliest dated E-Consent is XX/XX/XXXX which was after the date of the initial Loan Estimate provided electronically issued XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10668 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10668 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $450.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10668 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10669 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Disclosure not provided |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10669 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10669 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Timing | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. | Disclosure not provided |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10669 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10669 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Missing evidence of XX/XX/XXXX Loan Estimate receipt, using mailbox method results in late delivery. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10669 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10669 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10669 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10669 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10669 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10671 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10671 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10671 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10671 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10671 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10671 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10671 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10671 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10672 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | The Note in file reflects the first payment date change is the same date as the maturity date. It appears this maybe be a fixed rate and not an ARM. |  |  |  | Reviewer Comment (XX/XX/XXXX): The Note in file reflects the first payment date change is the same date as the maturity date. It appears this maybe be a fixed rate and not an ARM. No additional documents provided.<br>Seller Comment (XX/XX/XXXX): Correct. It is basically a 15 year fixed rate loan.<br>Reviewer Comment (XX/XX/XXXX): Exception is still valid, no additional documents provided. The Note in file reflects the first payment date change is the same date as the maturity date. It appears this maybe be a fixed rate and not an ARM.<br>Seller Comment (XX/XX/XXXX): Although it is a 15/1 ARM, the amortization is based on a 15 year so in essence it is a 15 year fixed rate. |  |  |  | 3 D | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10672 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10672 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXX/LittleXXXX/17127904) | Missing Employment Dates to verify two years employment history for current and/or prior employment. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10672 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10672 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10672 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10672 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10672 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10672 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10672 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10672 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. | Borrower not provided Right Not To Close Disclosure. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10672 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10672 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Maximum Interest Rate | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Interest Rate that does not match the actual maximum interest rate for the loan. (FinXX/XX/XXXX) | adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Interest Rate that does not match the actual maximum interest rate for the loan however information updated from Final CD |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10672 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10672 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Minimum Interest Rate | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. (FinXX/XX/XXXX) | Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan however information updated from received documents |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10672 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10672 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Subsequent Change Frequency | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. (FinXX/XX/XXXX) | Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan however information updated from received documents |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10672 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10672 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Interest Rate Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Interest Rate can change. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Interest Rate can change however information updated from received documents. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10672 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10672 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Once | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. Loan Terms adjust a single adjustment of Principal and Interest. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. Loan Terms adjust a single adjustment of Principal and Interest however information updated from received documen |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10672 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10672 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Principal and Interest Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Principal and Interest Payment can change. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Principal and Interest Payment can change |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10672 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10672 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation, Re-Disclose Correct Information A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10672 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10672 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $148.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $148.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing however information updated from Final CD |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10672 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10673 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | The representative FICO score is above 680. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10673 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10673 | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing: Employer Letter, Paystub, Account Statement within 10 days before note date or prior to disbursement date. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX Note Date: XX/XX/XXXX | VOE was not provided within 10 days before the note date.<br>When the loan fails out of Temp QM, it then waterfalls its ATR testing to QM testing for the time the loan was originated. Given adherence to the General QM Final Rule (price-based General QM definition which tests to guidelines instead of App Q) was not mandatory until 1XX/XX/XXXX, we waterfall the testing to adherence with Appendix Q (the DTI-based General QM definition). If a creditor receives an application between XX/XX/XXXX andXX/XX/XXXXthe creditor may satisfy either the criteria under the prior QM rule (the DTI-based General QM definition with App Q) or the criteria under the revised QM rule (the price-based General QM definition which tests to guidelines) to originate a General QM. <br> • While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | The representative FICO score is above 680. | The representative FICO score is above 680. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): VVOE provided reflects start date of XX/XX/XXXX and 1003 reflects 17 years.<br>Seller Comment (XX/XX/XXXX): Provided income docs however also see QC memo that was provided with paystubs and w2 |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10673 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10673 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | VOE was not provided within 10 days before the note date.<br>When the loan fails out of Temp QM, it then waterfalls its ATR testing to QM testing for the time the loan was originated. Given adherence to the General QM Final Rule (price-based General QM definition which tests to guidelines instead of App Q) was not mandatory until 1XX/XX/XXXX, we waterfall the testing to adherence with Appendix Q (the DTI-based General QM definition). If a creditor receives an application between XX/XX/XXXX andXX/XX/XXXXthe creditor may satisfy either the criteria under the prior QM rule (the DTI-based General QM definition with App Q) or the criteria under the revised QM rule (the price-based General QM definition which tests to guidelines) to originate a General QM. <br> • While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | The representative FICO score is above 680. | The representative FICO score is above 680. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): VVOE provided reflects start date of XX/XX/XXXX and 1003 reflects 17 years.<br>Seller Comment (XX/XX/XXXX): Provided income docs however also see QC memo that was provided with paystubs and w2 |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10673 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10673 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing income documents.<br> When the loan fails out of Temp QM, it then waterfalls its ATR testing to QM testing for the time the loan was originated. Given adherence to the General QM Final Rule (price-based General QM definition which tests to guidelines instead of App Q) was not mandatory until 1XX/XX/XXXX, we waterfall the testing to adherence with Appendix Q (the DTI-based General QM definition). If a creditor receives an application between XX/XX/XXXX andXX/XX/XXXXthe creditor may satisfy either the criteria under the prior QM rule (the DTI-based General QM definition with App Q) or the criteria under the revised QM rule (the price-based General QM definition which tests to guidelines) to originate a General QM. <br> • While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | The representative FICO score is above 680. | The representative FICO score is above 680. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): VVOE provided reflects start date of XX/XX/XXXX and 1003 reflects 17 years.<br>Seller Comment (XX/XX/XXXX): Provided income docs however also see QC memo that was provided with paystubs and w2 |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10673 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10673 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-515.07 exceeds tolerance of $-655.00. Insufficient or no cure was provided to the borrower. (9300) | The Lender Credits changed to $515.07 on the Closing Disclosure dated XX/XX/XXXX. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (XX/XX/XXXX): SitusAMC received BPO documents. However, we would require a valid COC for the fee reduced on sequence 2 CD datedXX/XX/XXXX for $515.07 or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10673 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10673 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Restated to Small Creditor |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10673 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10673 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10673 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10674 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal Waiver was entered on a conventional loan, and Decision System does not reflect DU or LP. PIW is ineligible. Missing Primary Appraisal. |  | The file is missing a copy of the secondary valuation required for securitization purposes. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): The loan was manually underwritten and not AUS approval. Secondary valuation required, investor to order.<br>Seller Comment (XX/XX/XXXX): attached lp with piw |  |  | XXXX | 3 D | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10674 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10674 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10674 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10674 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10674 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10674 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-462.06 exceeds tolerance of $-873.00. Insufficient or no cure was provided to the borrower. (9300) | Lender Credits Fee was last disclosed as -$873.00 on the Loan Estimate but disclosed as -$462.06 on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. |  |  |  | Reviewer Comment (XX/XX/XXXX): Situamc Lender Credit decreased on CD dated XX/XX/XXXX without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10674 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10675 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10675 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10675 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. | ROR was signed by borrower on XX/XX/XXXX, however Notary date on mortgage was XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10675 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10676 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10676 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10676 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. DTI discrepancy appears to be due to rounding, as calculations match the lender approval. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10676 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10676 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10676 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10676 | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXX is less than Guideline representative FICO score of 700. | Middle score 678 does not meet guideline requirement of 700. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review.<br>Seller Comment (XX/XX/XXXX): Per lender, No exception obtained for the Credit score just the DTI. Loan should still meet appendix Q and ATR<br>Reviewer Comment (XX/XX/XXXX): Exception remains due to FICO score. Lender approved exception didn't address Fico <700.<br>Seller Comment (XX/XX/XXXX): exception approval indicates yes for DTI and compensating factor of 5 which means bank relationship. this exception is on the lender's origination system and was documented at origination of this loan. This is their internal portfolio exception tracking which indicates approval. will go back to lender on the Fico<br>Reviewer Comment (XX/XX/XXXX): Screenshot does not evidence approval for DTI exception prior to close, please provide evidence exception was approved with doc dated prior to closing. Also screenshot does not address FICO failure.<br>Seller Comment (XX/XX/XXXX): attached exception approval for fico and dti |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10676 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10676 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. The 1008 Loan Underwriting and Transmittal Summary reflects same DTI XX% was used to approve the loan. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): Per lender, No exception obtained for the Credit score just the DTI. Loan should still meet appendix Q and ATR<br>Reviewer Comment (XX/XX/XXXX): Exception remains due to FICO score. Lender approved exception didn't address Fico <700.<br>Seller Comment (XX/XX/XXXX): exception approval indicates yes for DTI and compensating factor of 5 which means bank relationship. this exception is on the lender's origination system and was documented at origination of this loan. This is their internal portfolio exception tracking which indicates approval. will go back to lender on the Fico<br>Reviewer Comment (XX/XX/XXXX): Screenshot does not evidence approval for DTI exception prior to close, please provide evidence exception was approved with doc dated prior to closing. Also screenshot does not address FICO failure.<br>Seller Comment (XX/XX/XXXX): attached exception approval for fico and dti |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10676 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10676 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $90.00 plus 10% or $99.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes | CMLTI 2026-1-10676 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10676 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $475.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes | CMLTI 2026-1-10676 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10676 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of 45.27% moderately exceed the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Per approval, the loan was approved with XX% DTI, which is slightly higher than the maximum allowed per guideline. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Seller Comment (XX/XX/XXXX): Per lender, No exception obtained for the Credit score just the DTI. Loan should still meet appendix Q and ATR<br>Reviewer Comment (XX/XX/XXXX): Exception remains due to FICO score. Lender approved exception didn't address Fico <700 along with higher threshold.<br>Seller Comment (XX/XX/XXXX): exception approval indicates yes for DTI and compensating factor of 5 which means bank relationship. this exception is on the lender's origination system and was documented at origination of this loan. This is their internal portfolio exception tracking which indicates approval. will go back to lender on the Fico<br>Reviewer Comment (XX/XX/XXXX): Screenshot does not evidence approval for DTI exception prior to close, please provide evidence exception was approved with doc dated prior to closing. Also screenshot does not address FICO failure.<br>Seller Comment (XX/XX/XXXX): attached exception approval for fico and dti |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10676 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10677 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX) | Appraisal receipt is missing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10677 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10677 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | Disclosure is missing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10677 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10677 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $120.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10677 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10680 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX) | Statements provided are dated through XX/XX/XXXX, Transaction Date is XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10680 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10680 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. | Designation has been restated. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10680 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10680 | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | This loan closed during the COVID-19 affected timeframe. Asset Account date is more than 60 days prior to the Note date or notary date. | Financial Institution: XXXX. // Account Type: Checking / Account Number: XXXX Note Date: XX/XX/XXXX; Notary Date: XX/XX/XXXX | Statements provided are dated through XX/XX/XXXX, Transaction Date is XX/XX/XXXX. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Subject loan closed during the COVID-19 affected timeframe. However asset seasoning requirements of 60 days to be met, exception remains.<br>Seller Comment (XX/XX/XXXX): Agree, assets did not meet the temporary guide at the time of origination due to covid. Assets are within 90 days. I do not see why this would be a material finding. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10680 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10680 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Statements provided are dated through XX/XX/XXXX, Transaction Date is XX/XX/XXXX. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): If the loan does not meet Agency/Temp SHQM requirements the loan waterfall tests to Appendix Q requirements. The loan does not meet agency Temp SHQM requirements and therefore tested as Safe Harbor QM.<br>Seller Comment (XX/XX/XXXX): Per lender, Did not obtain within 60 days but did within 120. While it didn't meet agency guides at the time, it shouldn't affect QM. SHQM is fine.<br>Reviewer Comment (XX/XX/XXXX): Subject loan closed during the COVID-19 affected timeframe. However asset seasoning requirements of 60 days to be met, exception remains.<br>Seller Comment (XX/XX/XXXX): Agree, bank statements did not meet the 60 day temporary guide in XXXX due to covid but are within 90 days and meet it now. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10680 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10681 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX) | Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | Yes | CMLTI 2026-1-10681 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10681 | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Gift Funds are not permitted per guides. |  | Lender exception provided due to gift from occupying father on investment purchase. DAR customer service issue. Gift came in the day before closing. MLO/Processor/UW did not catch until after clearing that a gift cannot be used on this property type. However, a compensating factor was not available on the approved lender exception. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Exception provided does reflect if it was approved or not and no listed compensating factors.<br>Seller Comment (XX/XX/XXXX): attached the exception approval for the gift funds<br>Reviewer Comment (XX/XX/XXXX): Missing the approval that was completed within this transaction<br>Seller Comment (XX/XX/XXXX): Loan is seasoned 5 years. XXXXto review. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10681 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10681 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Investment | Purchase | Final CD evidences Cure B A | N/A | N/A | Yes | CMLTI 2026-1-10681 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10681 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Missing the consent that was completed within this transaction<br>Seller Comment (XX/XX/XXXX): loan is 5 years seasoned past the statute of limitations. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10681 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10682 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10682 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10683 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10683 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10683 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Please provide YTD and P&L for XXXX for S-corp income | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): XXXX P&L was not provided.<br>Seller Comment (XX/XX/XXXX): per lender, Provided a YTD paystub. No P and L obtained for XXXX. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10683 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10684 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date XX/XX/XXXX, Note Date XX/XX/XXXX | Loan funded XX/XX/XXXX, prior to Flood Insurance effective date XX/XX/XXXX. | Borrower has verified disposable income of at least $XXXX. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment<br>Seller Comment (XX/XX/XXXX): Loan close to 10 years seasoned now. XXXXto review |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10684 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10685 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed the monthly escrow payment that is not included PMI of $68.57. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10685 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10685 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10685 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10686 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10686 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10686 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10686 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10687 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10687 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10687 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10687 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10687 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10687 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10687 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  | Borrower has verified disposable income of at least $XXXX. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10687 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10689 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10689 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10689 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $774.38 exceeds tolerance of $770.00. Sufficient or excess cure was provided to the borrower at Closing. (7200) | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee amount of $774.38 exceeds tolerance of $770.00. Sufficient or excess cure was provided to the borrower at closing. (7200) |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes | CMLTI 2026-1-10689 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10689 | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $XXX. | Verified liquid assets in the amount of $0.00 are insufficient to meet cash to close of $XXX. No assets were provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Seller Comment (XX/XX/XXXX): Attaching hoi and mortgage statement. this property was escrowed prior to the refinance and the insurance was being paid by the mortgage company. HOI shows mortgagee as specialized loan servicing matching the statement in the file. sufficient evidence to show payment of the hoi<br>Reviewer Comment (XX/XX/XXXX): The bank statements in the file and provided in trailing documents are dated in XXXX. The subject loan closed in XXXX. POC fees not verified.<br>Seller Comment (XX/XX/XXXX): borrowers insurance is auto renewed...attached policy...it was paid in XXXX XXXX..our loan closed in XXXX XXXX. There is no reason to make the borrower go back to June to show this policy's payment. borrower received cash at closing. no funds were needed to close<br>Seller Comment (XX/XX/XXXX): attached bank statements |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10689 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10690 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. | Designation has been restated. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10690 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10690 | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. | Required $XXXX to close, however actual cash to close was $XXXX, resulting in shortage. Borrower had POC of $XXXX, however missing evidence of payment documentation to consider as liquid asset | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to regrade and waive.<br>Seller Comment (XX/XX/XXXX): LOAN IS SHQM. XXXXTO REVIEW<br>Reviewer Comment (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br>Seller Comment (XX/XX/XXXX): Borrower only needed $XX to close. $XXX in assets verified in file. However, insurance was prepaid and AMC is including this amount in the funds to close making it short. Loan is over 5 years seasoned. XXXXto review. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10690 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10690 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Required $XXXX to close, however actual cash to close was $XXXX, resulting in shortage. Borrower had POC of $XXXX, however missing evidence of payment documentation to consider as liquid asset | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to regrade and waive.<br>Seller Comment (XX/XX/XXXX): LOAN IS SHQM. XXXXTO REVIEW<br>Reviewer Comment (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan.<br>Seller Comment (XX/XX/XXXX): Borrower only needed $XX to close. $XXX in assets verified in file. However, insurance was prepaid and AMC is including this amount in the funds to close making it short. Loan is over 5 years seasoned. XXXXto review. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10690 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10691 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $140.00 exceeds tolerance of $110.00 plus 10% or $121.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10691 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10693 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10693 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10693 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10693 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10693 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10693 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10693 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10693 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10693 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing the verification of employment document for the Borrower's current job prior to Closing.<br>While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX and XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10693 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10695 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | PLEASE OVERRIDE, loan was initially fixed and on XX/XX/XXXX was changed to a 7/1 ARM; ARM disclosed XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10695 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10695 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | PLEASE OVERRIDE, loan was initially fixed and on XX/XX/XXXX was changed to a 7/1 ARM; CHARM Booklet provided XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10695 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10695 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10695 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10696 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | On final closing disclosure first change maximum and minimum period updated from the final closing disclosure |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10696 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10696 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3129938) | The Mortgage Insurance Certificate indicates, Lender paid Ins. The CD discloses a monthly MI payment contradicting the Lender Paid Certificate. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10696 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10696 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | The subject is a Bridge Loan with a 3-month Balloon Payment. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10696 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10696 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Principal and interest rate on final closing disclosure $950.14 |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10696 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10696 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1 | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed $0.00 instead of a '-' in the payment stream on a loan containing Mortgage Insurance. (ProjSeq:3/3129939) | Projected payment on final closing mortgage insurance updated as 0 |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10696 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10696 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3129939) | The CD dated XX/XX/XXXX indicates a max payment in year 8 of $1720.67. The Note and Arm Disclosure indicate the loan is fixed through year 8. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10696 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10696 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3129940) | The CD dated XX/XX/XXXX indicates a max payment in year 8 of $1720.67. The Note and Arm Disclosure indicate the loan is fixed through year 8. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10696 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10696 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3129937) | The CD dated XX/XX/XXXX indicates a max payment in year 8 of $1720.67. The Note and Arm Disclosure indicate the loan is fixed through year 8. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10696 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10696 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Closing Disclosure pages 1 and 2 indicate no escrows, however page 4 indicates there will be an escrow account but lists all expense as non-escrowed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10696 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10696 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Closing Disclosure pages 1 and 2 indicate no escrows, however page 4 indicates there will be an escrow account but lists all expense as non-escrowed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10696 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10696 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Mortgage Insurance Paystream > 1 | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed $0.00 instead of a '-' in the payment stream on a loan containing Mortgage Insurance. (ProjSeq:4/3129940) | Projected payment on final closing disclosure mortgage insurance is updated as 0 |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10696 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10698 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10698 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10698 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10698 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10698 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10698 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10698 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10698 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10698 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10698 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10699 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10699 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10700 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10700 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10700 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $312.00 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10700 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10701 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date XX/XX/XXXX, Note Date XX/XX/XXXX | Policy expired XX/XX/XXXX within 90 days of Note date XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10701 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10701 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10701 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10701 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10701 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10701 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10701 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10701 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): XXXXTO WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10701 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10702 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/3134899) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | N/A | N/A | Yes | CMLTI 2026-1-10702 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10702 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $140,890.86 is under disclosed by $2,955.70 compared to the calculated Finance Charge of $143,846.56 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $140,890.86 is under disclosed by $2,955.70 compared to the calculated Finance Charge of $143,846.56 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | N/A | N/A | Yes | CMLTI 2026-1-10702 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10702 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (FinXX/XX/XXXX) | Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | Yes | CMLTI 2026-1-10702 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10702 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. (ProjSeq:2/3134900) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | N/A | N/A | Yes | CMLTI 2026-1-10702 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10702 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. (ProjSeq:3/3134901) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | N/A | N/A | Yes | CMLTI 2026-1-10702 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10702 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. (ProjSeq:4/3134902) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | N/A | N/A | Yes | CMLTI 2026-1-10702 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10702 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3134899) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | N/A | N/A | Yes | CMLTI 2026-1-10702 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10702 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $288,610.31 is under disclosed by $2,955.70 compared to the calculated total of payments of $291,566.01 which exceeds the $100.00 threshold. (FinXX/XX/XXXX) | Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $288,610.31 is under disclosed by $2,955.70 compared to the calculated total of payments of $291,566.01 which exceeds the $100.00 threshold. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | N/A | N/A | Yes | CMLTI 2026-1-10702 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10702 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX) | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10702 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10703 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | sufficient cure amount provided in the file |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10703 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10704 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX was received XX/XX/XXXX with Note date of XX/XX/XXXX missing evidence of waiver. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10704 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10705 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | No evidence of appraisal being sent to borrower 3 days prior to closing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10705 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10705 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10705 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10705 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10705 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10705 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $60.10 exceeds tolerance of $55.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Credit report fee was disclosed on initial Loan Estimate as $55.00 but disclosed on final Closing Disclosure $60.10. File does not contain a valid COC for this fee, nor is evidence of cure provided in file. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10705 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10706 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $138.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | Yes | CMLTI 2026-1-10706 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10707 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. $3.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580) | Tax Service Fee (Life Of Loan) increased on XX/XX/XXXX Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10707 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10707 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10707 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10707 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Loan designation updated to "small creditor" on XX/XX/XXXX |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10707 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10707 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | restated |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10707 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10707 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Seller Comment (XX/XX/XXXX): Over 3 years seasoned. XXXXto review |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10707 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10708 | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing: Employer Letter, Paystub, Account Statement within 10 days before note date or prior to disbursement date. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX Note Date: XX/XX/XXXX |  | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): A current VOE is required to clear the exception.<br>Seller Comment (XX/XX/XXXX): per lender, what was obtained was all that was obtained at origination. Verbal was expired.<br>Reviewer Comment (XX/XX/XXXX): VOE provided not within 10 days per LP.<br>Seller Comment (XX/XX/XXXX): attached vvoe for XXXX |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10708 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10708 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXX/XXXX/17037502) | Waterfall due to missing VVOE for co-borrower.<br> While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX and XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status.<br> As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  |  | Reviewer Comment (XX/XX/XXXX): VOE provided not within 10 days per LP.<br>Seller Comment (XX/XX/XXXX): attached vvoe for XXXX |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10708 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10708 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing 10-day pre-closing verification of employment.<br> While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX and XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status.<br> As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): A current VOE is required to clear the exception.<br>Seller Comment (XX/XX/XXXX): per lender, what was obtained was all that was obtained at origination. Verbal was expired.<br>Reviewer Comment (XX/XX/XXXX): VOE provided not within 10 days per LP.<br>Seller Comment (XX/XX/XXXX): attached vvoe for XXXX |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10708 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10708 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. | Designation has been restated. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10708 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10708 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $67.00 exceeds tolerance of $51.00 plus 10% or $56.10. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | Yes | CMLTI 2026-1-10708 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10709 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement was not found in file. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Borrower has verified disposable income of at least $XXXX. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10709 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10711 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3134526) | Final Closing Disclosure page (1) Projected payments section disclosed there will not be mortgage insurance for payment stream three (3) year nine and payment stream four (4) years ten (10) to year thirty (30). |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10711 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10711 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3134527) | Final Closing Disclosure page (1) Projected payments section disclosed there will not be mortgage insurance for payment stream three (3) year nine and payment stream four (4) years ten (10) to year thirty (30). |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10711 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10713 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10713 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10713 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $395.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10713 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10714 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $450.00 exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Fee increased on XX/XX/XXXX Closing Disclosure with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes | CMLTI 2026-1-10714 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10714 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10714 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10714 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10714 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10714 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both significantly exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(e) of XX% significantly exceed the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Loan was lender approved with DTI of XX% which exceeds the guideline maximum allowable of 45%. File is missing lender granted exception with compensating factor. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Seller Comment (XX/XX/XXXX): providing the exception on the loan that is documented on the loan origination system and clearly approved since the loan closed. this should be sufficient enough documenting the exception and provided the compensating factor. DTI exception indicated as yes and credit score/history exception as Yes. Compensating factor (CF) indicated at 3 and 8 which mean solid reseves/net worth and temporary situation per the Compensating factors key at the bottom.<br>Reviewer Comment (XX/XX/XXXX): Please provide actual Lender exception that details out the DTI exception, along with comp factors, the date and name of the person who approve the exception.<br>Seller Comment (XX/XX/XXXX): Complete. Providing screenshot of Exception tracking screen. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10714 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10714 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Loan was lender approved with DTI of XX% which exceeds the guideline maximum allowable of 45%. File is missing lender granted exception with compensating factor. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Seller Comment (XX/XX/XXXX): providing the exception on the loan that is documented on the loan origination system and clearly approved since the loan closed. this should be sufficient enough documenting the exception and provided the compensating factor. DTI exception indicated as yes and credit score/history exception as Yes. Compensating factor (CF) indicated at 3 and 8 which mean solid reserves/net worth and temporary situation per the Compensating factors key at the bottom.<br>Reviewer Comment (XX/XX/XXXX): Please provide actual Lender exception that details out the DTI exception, along with comp factors, the date and name of the person who approve the exception.<br>Seller Comment (XX/XX/XXXX): uploaded exception |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10714 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10714 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Trust Agreement not provided. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Nothing provided, XXXXto review<br>Seller Comment (XX/XX/XXXX): Per lender, what they supplied is all that is in the file. Full trust was not required as it was just necessary to determine if borrower had right to refinance property.<br>Reviewer Comment (XX/XX/XXXX): Please Provide the actual Revocable Living Trust.<br>Seller Comment (XX/XX/XXXX): uploaded trust docs |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10714 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10714 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of XX% significantly exceed the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Loan Designation restated to Non-QM. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Non QM | No | CMLTI 2026-1-10714 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10715 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | The Verification of Employment completed within 10 business days prior to Note date is missing for XXXX. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Lender agrees.<br>Seller Comment (XX/XX/XXXX): No verbal VOE performed for XXXX, only the Employment attestation which I have provided<br>Reviewer Comment (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10715 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10715 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXX/Vessely/17037976) | Waterfall issue due to missing Verification of Employment for XXXX completed within 10 business days prior to the Note date. |  |  |  | Reviewer Comment (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10715 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10715 | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing: Employer Letter, Paystub, Account Statement within 10 days before note date or prior to disbursement date. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX Note Date: XX/XX/XXXX | Waterfall issue due to missing Verification of Employment for XXXX completed within 10 business days prior to the Note date. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Lender agrees.<br>Seller Comment (XX/XX/XXXX): No verbal VOE performed for XXXX, only the Employment attestation which I have provided<br>Reviewer Comment (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10715 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10715 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing Verification of Employment for XXXX completed within 10 business days prior to the Note date. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Lender agrees.<br>Seller Comment (XX/XX/XXXX): No verbal VOE performed for XXXX, only the Employment attestation which I have provided<br>Reviewer Comment (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10715 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10715 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing Verification of Employment for XXXX completed within 10 business days prior to the Note date. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Lender agrees.<br>Seller Comment (XX/XX/XXXX): No verbal VOE performed for XXXX, only the Employment attestation which I have provided<br>Reviewer Comment (XX/XX/XXXX): Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10715 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10715 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. | Designation has been restated. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10715 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10716 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10716 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10716 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10716 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10716 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No | CMLTI 2026-1-10716 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10717 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10717 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10717 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10717 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10717 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10717 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10717 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10717 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10717 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10717 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10717 | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Exception is assigned to buyer for review.<br>Seller Comment (XX/XX/XXXX): XXXXTO REVIEW/WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10717 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10717 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Waterfall due to XXXX#XXXX account is reflected as being paid at closing on the 1003. However, the final Closing Disclosure does not reflect the debt being paid at closing. Therefore, the DTI of XX% exceeds program guideline of 43.00%.<br> The file is missing justification for using rental income to qualify for the departing primary residence. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Per lender, Debt was not paid off at closing and there is no exception approval for the DTI. Exception is assigned to the buyer for review.<br>Seller Comment (XX/XX/XXXX): per lender, Debt was not paid off at closing and there is no exception approval for the DTI.<br>Seller Comment (XX/XX/XXXX): ATTACHED RENT PAYMENT, LEASE AGREEMENT, TAXES AND INSURANCE ON PRIOR HOME. XXXX ACCOUNT IS AN AUTHORIZED USER ACCT PER CREDIT REPORT AND COULD BE EXCLUDED. IF MACYS ACCT EXCLUDED AND XXXXINCLUDED DTI IS UNDER 43%. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10717 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10718 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10718 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10719 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10719 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10719 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10719 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10719 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10719 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10719 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10719 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10721 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Please override; loan was initially fixed and was changed to a 5/6 ARM on XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10721 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10721 | XXXX | XXXX | XXXX | Credit | Data Verification | General | Data Verification | The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio. | Investor's qualifying DTI: XX%<br> QM qualifying DTI: XX% | The Investor's qualifying DTI is less than the QM DTI. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10721 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10721 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10721 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10721 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10721 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10721 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment<br>Seller Comment (XX/XX/XXXX): over 3 years seasoned. XXXXto review/waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10721 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10721 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. Sufficient or excess cure was provided to the borrower at Closing. (7580) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10721 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10722 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10722 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10722 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (FinXX/XX.XXXX) | Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment $603.08 does not match the actual escrow $615.48 payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10722 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10722 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10722 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10722 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10722 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10725 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXX/XXXX/17037833) | Missing Employment Dates to verify two years current employment.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. |  |  |  | Reviewer Comment (XX/XX/XXXX): Assigned to XXXX. Seller comments: XXXXto review. Agree, verbal doesn't show a start date. Application from borrower shows 2years 3 months with current employer. attached paystubs and prior 3 years W2s for employment history |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10725 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10725 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. | Designation has been restated. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10725 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10725 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Third party verification for primary borrower's employment provided, however document doesn't disclose start date or duration.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Assigned to XXXX. Seller comments: XXXXto review. Agree, verbal doesn't show a start date. Application from borrower shows 2years 3 months with current employer. attached paystubs and prior 3 years W2s for employment history |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10725 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10726 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated 1XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10726 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10726 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10726 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10726 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10726 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10726 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing the gap of employment letter's signature | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10726 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10727 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (InterXX/XX/XXXX) | LE issued XX/XX/XXXX and received XX/XX/XXXX, which is of same as Closing Disclosure issued XX/XX/XXXX and received XX/XX/XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): SitusAMC received no new documents to address the exception. As per file final LE and initial CD was issued same day on XX/XX/XXXX. Revised Loan Estimate may not be delivered at the same time as the Closing Disclosure. Section 1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under § 1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under § 1026.19(f)(1)(i). Section 1026.19(e)(4)(ii) also requires that the consumer must receive any revised version of the disclosures required under § 1026.19(e)(1)(i) no later than four business days prior to consummation, and provides that if the revised version of the disclosures are not provided to the consumer in person, the consumer is considered to have received the revised version of the disclosures three business days after the creditor delivers or places in the mail the revised version of the disclosures. |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10727 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10727 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $145.00 exceeds tolerance of $115.00 plus 10% or $126.50. $18.50 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Ten percent tolerance exceeded, Total amount exceeded tolerance of $126.50. Cure of $35.00 is provided to borrower. |  |  |  | Reviewer Comment (XX/XX/XXXX): SitusAMC received no new documents to address the exception. As per file the 10% fees contains only recording fee which was increased from $115 to $145 on final CD without providing any valid COC in file. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10727 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10727 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $671.25 exceeds tolerance of $0.00. $671.25 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Zero percent tolerance due to Loan Discount Fee disclosed as $0.00 in Initial LE and as $671.25 in Final CD. No Changed circumstance provided. |  |  |  | Reviewer Comment (XX/XX/XXXX): SitusAMC received no new documents to address the exception. As per file the Discount points were added on XX/XX/XXXX without providing any valid COC in file. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10727 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10729 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10729 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10729 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10729 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10729 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10729 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10729 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $460.00 exceeds tolerance of $395.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10729 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10729 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10729 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10732 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX.XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10732 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10732 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:834XX/XX.XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10732 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10732 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Restated to Non QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10732 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10732 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | The file is missing a copy of the final 1003 | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Please see statement from lender.<br>Seller Comment (XX/XX/XXXX): Per lender, unable to provide final 1003 |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10732 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10732 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Employment verification dated XX/XX/XXXX is not within 10 business days of XX/XX/XXXX Note. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): VVOE required within 10 business days of the Note per AUS in file.<br>Seller Comment (XX/XX/XXXX): Per lender, unable to provide the vvoe |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10732 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10732 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Loan was approved via DU findings with approved/ineligible findings. Lender granted an DTI exception. However the DTI for manual underwrite is 45% and current DTI is XX% which is exceeding the max DTI. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10732 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10732 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Loan was approved via DU findings with approved/ineligible findings. Lender granted an DTI exception. However the DTI for manual underwrite is 45% and current DTI is XX% which is exceeding the max DTI. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10732 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10734 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-223.13 exceeds tolerance of $-224.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10734 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10735 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10735 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10736 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10736 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10737 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date XX/XX/XXXX, Note Date XX/XX/XXXX | Policy expired XX/XX/XXXX prior to XX/XX/XXXX closing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10737 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10737 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio CSPA Tangible Net Benefit Test | Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10737 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10737 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $223.75 exceeds tolerance of $220.00. $3.75 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Fee was last disclosed as $220.00 on the Loan Estimate, but was disclosed as $223.75 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $3.75, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10737 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10739 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7564) | Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10739 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10739 | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10739 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10740 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $327.00 exceeds tolerance of $0.00. $327.00 over legal limit. Insufficient or no cure was provided to the borrower. (7708) | A valid COC for the addition of the fee was not provided. No cure at close |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10740 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10740 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $60.00 exceeds tolerance of $0.00. $60.00 over legal limit. Insufficient or no cure was provided to the borrower. (7713) | A valid COC for the addition of the fee was not provided. No cure at close |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10740 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10741 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date XX/XX/XXXX, Note Date XX/XX/XXXX |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10741 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10741 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-417.06 exceeds tolerance of $-421.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10741 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10742 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (InitiXX/XX/XXXX) | Closing Disclosure Issue Date Not Provided and updated the Closing Disclosure as per the guidelines. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Good Faith Redisclosure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10742 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Interest Rate Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Interest Rate can change. (FinXX/XX/XXXX) | Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Interest Rate can change. (FinXX/XX/XXXX) |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10743 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Once | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. Loan Terms adjust a single adjustment of Principal and Interest. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. Loan Terms adjust a single adjustment of Principal and Interest. (FinXX/XX/XXXX) |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10743 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Principal and Interest Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Principal and Interest Payment can change. (FinXX/XX/XXXX) | Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the Principal and Interest Payment can change. (FinXX/XX/XXXX) |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10743 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table First Change Frequency Test | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan. (FinXX/XX/XXXX) | Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change frequency that does not match the actual first change frequency for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10743 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Maximum Interest Rate | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Interest Rate that does not match the actual maximum interest rate for the loan. (FinXX/XX/XXXX) | Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Interest Rate that does not match the actual maximum interest rate for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10743 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Minimum Interest Rate | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. (FinXX/XX/XXXX) | Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10743 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Subsequent Change Frequency | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. (FinXX/XX/XXXX) | Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10743 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10743 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3143188) | Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10743 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3143189) | Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10743 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3143190) | Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10743 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. (ProjSeq:2/3143188) | Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10743 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. (ProjSeq:3/3143189) | Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10743 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. (ProjSeq:4/3143190) | Note provided disclosed amortization as fixed rate. Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10743 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Post Close Closing Disclosure Timing Regular Transactions | TILA-RESPA Integrated Disclosure – Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10743 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $450.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10743 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10744 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10744 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10744 | XXXX | XXXX | XXXX | Credit | Income | Document Error | Income | Missing verification of the existance of self-employed business within 20 days of the Note Date (COVID-19). | Borrower: XXXX // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: XX/XX/XXXX Application Date: XX/XX/XXXX; | File is missing a reliable Third-party verification of the Co-Borrowers sole proprietorship business XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Due to missing third party verification unable to verify start date and duration.<br>Seller Comment (XX/XX/XXXX): a 3rd party voe doesn't have to show dates of employment...you have tax returns that prove income for this business for 2 years. the 3rd party voe is confirming the business is still active.<br>Reviewer Comment (XX/XX/XXXX): Yelp printout provided doesn't include information needed such as borrower's self-employment start date and duration<br>Seller Comment (XX/XX/XXXX): attached 3rd party voe<br>Reviewer Comment (XX/XX/XXXX): Please re-upload image not provided for Third-party VOE.<br>Seller Comment (XX/XX/XXXX): ATTACHED 3RD PARTY BUSINESS LOOKUP FOR SCH C INCOME |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10744 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10744 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $450.00 exceeds tolerance of $375.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes | CMLTI 2026-1-10744 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10744 | XXXX | XXXX | XXXX | Credit | Income | Document Error | Income | YTD P&L Statement was not signed and/or dated by Borrower. (GSE COVID-19) | Borrower: XXXX // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: XX/XX/XXXX // Document: P&L Statement / Document Date: XX/XX/XXXX / Tax Year: | Waterfall due to File is missing a reliable Third-party verification of the Co-Borrowers sole proprietorship business XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Third party verification missing in order to confirm self employment start date and duration<br>Seller Comment (XX/XX/XXXX): a 3rd party voe doesn't have to show dates of employment...you have tax returns that prove income for this business for 2 years. the 3rd party voe is confirming the business is still active.<br>Reviewer Comment (XX/XX/XXXX): Yelp printout provided doesn't include information needed such as borrower's self-employment start date and duration<br>Seller Comment (XX/XX/XXXX): reuploaded in prior exception<br>Reviewer Comment (XX/XX/XXXX): Please re-upload image not provided for Third-party VOE.<br>Seller Comment (XX/XX/XXXX): ATTACHED 3RD PARTY BUSINESS LOOKUP FOR SCH C INCOME |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10744 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10744 | XXXX | XXXX | XXXX | Credit | Income | Income Eligibility | Income | Borrower has un-audited YTD P&L and does not have 2 months Account statements. (GSE COVID-19) | Borrower: XXXX // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: XX/XX/XXXX | Waterfall due to File is missing a reliable Third-party verification of the Co-Borrowers sole proprietorship business XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Third party verification missing in order to confirm self employment start date and duration<br>Seller Comment (XX/XX/XXXX): a 3rd party voe doesn't have to show dates of employment...you have tax returns that prove income for this business for 2 years. the 3rd party voe is confirming the business is still active.<br>Reviewer Comment (XX/XX/XXXX): Yelp printout provided doesn't include information needed such as borrower's self-employment start date and duration<br>Seller Comment (XX/XX/XXXX): reuploaded in prior exception<br>Reviewer Comment (XX/XX/XXXX): Please re-upload image not provided for Third-party VOE.<br>Seller Comment (XX/XX/XXXX): ATTACHED 3RD PARTY BUSINESS LOOKUP FOR SCH C INCOME |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10744 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10744 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing a reliable Third-party verification of the Co-Borrowers sole proprietorship business XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan was re-stated to non-QM with waived credit exceptions and waterfall/compliance exceptions were either re-graded to a grade 2 or cleared off. The designation changed to Non-QM.<br>Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Third party verification missing in order to confirm self employment start date and duration<br>Seller Comment (XX/XX/XXXX): a 3rd party voe doesn't have to show dates of employment...you have tax returns that prove income for this business for 2 years. the 3rd party voe is confirming the business is still active.<br>Reviewer Comment (XX/XX/XXXX): Yelp printout provided doesn't include information needed such as borrower's self-employment start date and duration<br>Seller Comment (XX/XX/XXXX): reuploaded in prior exception<br>Reviewer Comment (XX/XX/XXXX): Please re-upload image not provided for Third-party VOE.<br>Seller Comment (XX/XX/XXXX): ATTACHED 3RD PARTY BUSINESS LOOKUP FOR SCH C INCOME |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10744 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10745 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM Disclosure provided XX/XX/XXXX was not within 3 days of application XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10745 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10745 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | CHARM Booklet provided XX/XX/XXXX was not within 3 days of application XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10745 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10745 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. | Designation has been restated. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10745 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10745 | XXXX | XXXX | XXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal not provided. | Borrower has verified disposable income of at least $XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 2yr Full Doc<br> Disposable Income: $XXXX<br>DTI: XX% <br> Guideline Maximum DTI: XX% | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Lender exception provided<br>Seller Comment (XX/XX/XXXX): uploaded exception approval to use older appraisal<br>Reviewer Comment (XX/XX/XXXX): The appraisal provided is dated in XXXX, prior to the application date.<br>Seller Comment (XX/XX/XXXX): Attached appraisal |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10745 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10745 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | File is missing a copy of the Full Appraisal document. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $XXXX. | DTI: XX% <br> Guideline Maximum DTI: XX%<br>Documentation Type: 2yr Full Doc<br> Disposable Income: $XXXX | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Lender exception provided<br>Seller Comment (XX/XX/XXXX): uploaded exception approval to use older appraisal<br>Reviewer Comment (XX/XX/XXXX): The appraisal provided is dated in XXXX, prior to the application date.<br>Seller Comment (XX/XX/XXXX): PER 1008 - APPRAISAL FROM XXXX WAS USED FOR VALUE<br>Seller Comment (XX/XX/XXXX): APPRAISAL UPLOADED ON PRIOR EXCEPTION |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10745 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10748 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10748 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10748 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX.XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10748 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10748 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10748 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10748 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Initial 1003 is missing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10748 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10748 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10748 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10748 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $138,908.90 is over disclosed by $201.80 compared to the calculated Amount Financed of $138,707.10 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX.XXXX) | Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $138,908.90 is over disclosed by $201.80 compared to the calculated Amount Financed of $138,707.10 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate . |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10748 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10748 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $110,090.46 is under disclosed by $201.80 compared to the calculated Finance Charge of $110,292.26 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX.XXXX) | Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $110,090.46 is under disclosed by $201.80 compared to the calculated Finance Charge of $110,292.26 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10748 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10748 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10748 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10748 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10748 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10748 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Calculated DTI is XX% which is exceeding the provided 1008 DTI of XX%, excluding income from XXXX will increase the DTI, final 1003 shows no credit liabilities while credit report has multiple liabilities which were added in the ratio, please verify if these liabilities are paid off then provide the supporting document and same will be excluded from the DTI.<br>Seller Comment (XX/XX/XXXX): Ratios show XX%. No exception was needed. Please advise |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10748 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10748 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX. | Loan amount of $XXXX requires a reserves of 3 months. | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Per the guidelines, if the DTI exceeds 43%, 3 months reserves is required.<br>Seller Comment (XX/XX/XXXX): I don't believe reserves were required based on LTV. Please revalidate.<br>Reviewer Comment (XX/XX/XXXX): Asset documents provide are duplicate of what is already in file. Calculated asset is insufficient to cover reserve required. Exception remains.<br>Seller Comment (XX/XX/XXXX): attached assets |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10748 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10748 | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing the Profit and Loss statement ,W2, pay stubs and additional supporting income document for the borrower. | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Calculated DTI is XX% which is exceeding the provided 1008 DTI of XX%, excluding income from XXXX will increase the DTI, final 1003 shows no credit liabilities while credit report has multiple liabilities which were added in the ratio, please verify if these liabilities are paid off then provide the supporting document and same will be excluded from the DTI.<br>Seller Comment (XX/XX/XXXX): Income for XXXX not used so verification not required. Only income used was for XXXX. Cb start and end date for XXXX isXX/XX/XXXX to XX/XX/XXXX. Reference the 1003. all other docs uploaded |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10748 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10748 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Third party verification of borrower's income with XXXX is missing. Unable to confirm start date and duration.<br> Third party verification of co- borrower's start and end date with XXXX was missing from loan documents.<br> Also, signed 1040s missing (XXXX, XXXX) for personal and business returns. | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Calculated DTI is XX% which is exceeding the provided 1008 DTI of XX%, excluding income from XXXX will increase the DTI, final 1003 shows no credit liabilities while credit report has multiple liabilities which were added in the ratio, please verify if these liabilities are paid off then provide the supporting document and same will be excluded from the DTI.<br>Seller Comment (XX/XX/XXXX): Income for XXXX not used so verification not required. Only income used was for XXXX. Cb start and end date for XXXX isXX/XX/XXXX to XX/XX/XXXX. Reference the 1003. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10748 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10748 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Asset is insufficient to cover reserves required. | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Per the guidelines, if the DTI exceeds 43%, 3 months reserves is required.<br>Seller Comment (XX/XX/XXXX): I don't believe reserves were required based on LTV. Please revalidate. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10748 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10749 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,100.00 exceeds tolerance of $1,065.00. Sufficient or excess cure was provided to the borrower at Closing. (7334) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10749 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10749 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10749 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10750 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $67.00 exceeds tolerance of $51.00 plus 10% or $56.10. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10750 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10751 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10751 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10751 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | The Verification of employment document in the file is not dated within 10 Business days to Closing. Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10751 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10751 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The Verification of employment document in the file is not dated within 10 Business days to Closing. Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10751 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10751 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor qualifying housing ratio discrepancy. | Calculated investor qualifying housing ratio of XX% exceeds Guideline housing ratio of XX%. | The front end DTI is XX% and guides max is 35.00%. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10751 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10752 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $450.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10752 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10753 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX.XXXX) | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10753 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10753 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Initial 1003 is missing from file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10753 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10753 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Initial loan application date Missing on file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10753 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10753 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | RESPA Disclosure - List of Homeownership Counseling Organizations Missing |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10753 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10753 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX.XXXX) | Loan Estimateis not signed/dated and there is no other evidence in loan file the borrower received the revised loan estimate at least 4 business days before closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10753 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10753 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Loan restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10753 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10753 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Loan restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10753 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10753 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): XXXXto waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10753 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10754 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing in the file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Cient elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10754 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10756 | XXXX | XXXX | XXXX | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | Date Issued: XX/XX/XXXX Issue Date: XX/XX/XXXX; Received Date: XX/XX/XXXX; Signed Date: XX/XX/XXXX | Final Closing disclosure Issued on XX/XX/XXXX but signed on XX/XX/XXXX |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10756 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10756 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $277,991.52 is over disclosed by $148.00 compared to the calculated Amount Financed of $277,843.52 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $277,991.52 is over disclosed by $148.00 compared to the calculated Amount Financed of $277,843.52 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10756 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10756 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $82,309.26 is under disclosed by $148.00 compared to the calculated Finance Charge of $82,457.26 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $82,309.26 is under disclosed by $148.00 compared to the calculated Finance Charge of $82,457.26 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10756 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10756 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided within 3 business days prior to closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10756 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10756 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10756 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10756 | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Combined High loan to value discrepancy. | Calculated high loan to value percentage of XX% exceeds Guideline high loan to value percentage of XX% | Lender exception provided for exceeding the CLTV of 80% on Cash-out Refinance. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years. | Originator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Lender approved exception with compensating factors provided. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10756 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10756 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XX% exceeds Guideline combined loan to value percentage of XX%. | Lender exception provided for exceeding the CLTV of 80% on Cash-out Refinance. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years. | Originator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Lender approved exception with compensating factors provided. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10756 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10758 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $88.00 exceeds tolerance of $61.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10758 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10759 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10759 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10762 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,606.50 exceeds tolerance of $965.00 plus 10% or $1,061.50. $545.00 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $1,606.50 exceeds tolerance of $965.00 plus 10% or $1,061.50. $545.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10762 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10762 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $325.00 exceeds tolerance of $150.00. $175.00 over legal limit. Insufficient or no cure was provided to the borrower. (75215) | Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $325.00 exceeds tolerance of $150.00. $175.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10762 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10763 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10763 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10763 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10763 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10763 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10763 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10763 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10763 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10763 | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of is less than Guideline representative FICO score of 620. | Waterfall due to missing Credit Report, unable to verify borrower's qualifying FICO score. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10763 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10763 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing Credit Report, unable to verify borrower's qualifying FICO score and unable to verify consumer's outstanding liabilities. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): This is a credit guideline requirement. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10763 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10763 | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report in file is missing three credit bureau scores. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): This is a credit guideline requirement. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10763 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10764 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | The file is missing a copy of the initial 1003. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10764 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10764 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10764 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10764 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10764 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10764 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10764 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10764 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10764 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10764 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10764 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10764 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10764 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10764 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Missing at time of application, XXXXto review.<br>Seller Comment (XX/XX/XXXX): over 3 years seasoned. XXXXto review |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10764 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10764 | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Twelve-month verification of rent was not found in loan file. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Per guidelines required verification of rent. Exception remains.<br>Seller Comment (XX/XX/XXXX): Per lender, VOR not required due to the number of tradelines the borrower had. Not required per the guidelines due to the borrower meeting the minimum number of tradelines.<br>Reviewer Comment (XX/XX/XXXX): VOR required per guidelines.<br>Seller Comment (XX/XX/XXXX): Borrowers had sufficient trade lines and verification of rent was not required. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10764 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10765 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10765 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10765 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10765 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10768 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $15.00 exceeds tolerance of $0.00. $15.00 over legal limit. Insufficient or no cure was provided to the borrower. (8304) | Fee increased on Closing Disclosure issued on XX/XX/XXXX with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10768 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10768 | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Fraud report not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10768 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10768 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10768 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10769 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10769 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10770 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10770 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10770 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10770 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10770 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10770 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10771 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio CSPA Tangible Net Benefit Test | Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10771 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10772 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The file is missing a copy of gap letter from XX/XX/XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review.<br>Seller Comment (XX/XX/XXXX): Guideline for gap predates this loan. A gap letter was not requested. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10772 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10772 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. The file is missing a copy of gap letter from XX/XX/XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review.<br>Seller Comment (XX/XX/XXXX): Guideline for gap predates this loan. A gap letter was not requested. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10772 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10772 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10772 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10772 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is not provided. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Seller Comment (XX/XX/XXXX): LOAN OVER 3 YEARS SEASONED. XXXXTO WAIVE/REVIEW |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10772 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10772 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing a copy of gap letter from XX/XX/XXXX. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review.<br>Seller Comment (XX/XX/XXXX): Guideline for gap predates this loan. A gap letter was not requested. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10772 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10773 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10773 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10773 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10773 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10774 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10774 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10774 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10774 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10774 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10774 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10774 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $XXXX based on 80% of value, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10774 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10774 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $128.00 exceeds tolerance of $100.00 plus 10% or $110.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10774 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10774 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10774 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10774 | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10774 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10775 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10775 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10775 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 10,695.85 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 10,695.85 on Final Closing Disclosure provided on XX/XX/XXXX are over disclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10775 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10775 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. | The loan originator license was issued after application date. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10775 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10775 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10775 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10775 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Product Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10775 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10775 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Post Close Closing Disclosure Timing Irregular Transactions | TILA-RESPA Integrated Disclosure – Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10775 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10775 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10775 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10776 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $196.00 exceeds tolerance of $100.00 plus 10% or $110.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10776 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10777 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10777 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10777 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $22.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7579) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10777 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10777 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $87.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7580) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10777 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10778 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10778 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10779 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10779 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10779 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10779 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10779 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10779 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10779 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10779 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10779 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3132993) | Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10779 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10779 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 16,093.00 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 16,093.00 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10779 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10779 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,825.00 exceeds tolerance of $1,525.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower. (7334) | Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,825.00 exceeds tolerance of $1,525.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10779 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10779 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $750.00. $450.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $750.00. $450.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10779 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10779 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $22.00 exceeds tolerance of $0.00. $22.00 over legal limit. Insufficient or no cure was provided to the borrower. (7579) | Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $22.00 exceeds tolerance of $0.00. $22.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10779 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10782 | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception, subject to U/W review, for Next Horizon Expanded with XXXMMCT funds. File is missing compensating factor for lender granted exception.<br> The loan passed all Appendix Q testing.<br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment.<br>Seller Comment (XX/XX/XXXX): LOAN IS SHQM. LOAN SEASONED OVER 5 YEARS. XXXXTO REVIEW |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10782 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10782 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | XXXgrant assistance was use for funds to close.<br>The loan passed all Appendix Q testing.<br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment.<br>Seller Comment (XX/XX/XXXX): LOAN IS SHQM. LOAN SEASONED OVER 5 YEARS. XXXXTO REVIEW |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10782 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10784 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose a reason for not having an Escrow Account on page 4. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10784 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10784 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10784 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10784 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10784 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10784 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10784 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10784 | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | There is no Appraisal noted and no Property Inspection Waiver (Appraisal Waiver) located in the file. |  | The loan file contains a 2055 but guidelines require a 1004 with interior photos. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10784 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10785 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of Receipt |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10785 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10785 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,100.00 exceeds tolerance of $1,065.00. Sufficient or excess cure was provided to the borrower at Closing. (7334) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10785 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10786 | XXXX | XXXX | XXXX | Credit | Document Error | HOA | Document Error | HOA Dues amount was not evidenced in the file, and has not been included in the calculated debt ratio. | Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX Property Type: Site Condo | Missing HOA verification. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10786 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10786 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has verified disposable income of at least $XXXX.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10786 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10786 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10786 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10786 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10786 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10787 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10787 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10787 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10787 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10787 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-184.00 exceeds tolerance of $-185.00. Insufficient or no cure was provided to the borrower. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-184.00 exceeds tolerance of $-185.00. Sufficient cure is required. |  |  |  | Reviewer Comment (XX/XX/XXXX): SitusAMC received BPO, however we require valid COC for decrease of lender credit on CD dated XXXX. Please provide valid COC with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10787 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10787 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,280.00 exceeds tolerance of $1,054.00 plus 10% or $1,159.40. $120.60 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $1,280.00 exceeds tolerance of $141.00 plus 10% or $155.10. $1,124.90 over legal limit. Sufficient cure is required. |  |  |  | Reviewer Comment (XX/XX/XXXX): SitusAMC received BPO, however we require valid COC for increase of title fees. Please provide valid COC with sufficient information why title fees increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10787 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10788 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $875.00 exceeds tolerance of $750.00. $125.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Fee increased onXX/XX/XXXX Loan Estimate and again onXX/XX/XXXX Closing Disclosure with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10788 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10788 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $350.00 exceeds tolerance of $0.00. $350.00 over legal limit. Insufficient or no cure was provided to the borrower. (77183) | Fee increased onXX/XX/XXXX Loan Estimate and again onXX/XX/XXXX Closing Disclosure with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10788 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10789 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10789 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10789 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10789 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10789 | XXXX | XXXX | XXXX | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Genesee County Water Contamination: Property is located in Genesee County, MI and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards |  | Missing appraisal or other documentation verifying water source. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10789 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10789 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10789 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10789 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | AbilitXX/XX/XXXXpay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA AbilitXX/XX/XXXXpay requirements under 1026.43 based on deal settings. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10789 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10789 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verbal verification of employment for borrower obtained within 10 days of Note date (XXXX). The employer letter provided is undated, thus, unable to determine whether the document meets timing requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Exception remains. VOE dated within 10 business days of note required (DU).<br>Seller Comment (XX/XX/XXXX): paystub dated within 10 days of note is acceptable to meet 10 day PCV<br>Reviewer Comment (XX/XX/XXXX): Exception remians. VOE dated within 10 buisness days of note required<br>Seller Comment (XX/XX/XXXX): Paystub datedXX/XX/XXXX was used as verification. Paystub dated within 10 business days as this was within the pay cycle. Supplying paystub. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10789 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10789 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Missing verbal verification of employment for borrower obtained within 10 days of Note date (XXXX). The employer letter provided is undated, thus, unable to determine whether the document meets timing requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Exception remains. VOE dated within 10 business days of note required (DU).<br>Seller Comment (XX/XX/XXXX): paystub dated within 10 days of note is acceptable to meet 10 day PCV<br>Reviewer Comment (XX/XX/XXXX): Exception remians. VOE dated within 10 buisness days of note required<br>Seller Comment (XX/XX/XXXX): Paystub datedXX/XX/XXXX was used as verification. Paystub dated within 10 business days as this was within the pay cycle. Supplying paystub. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10789 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10790 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10790 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10791 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Lender to lender refinance per title, H-9 form should have been used. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10791 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10791 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | A Search of the NMLS Consumer Access Site indicates the NMLS number for the loan originator XXXX, was not located. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10791 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10791 | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: COVID-19 Attestation not provided |  |  | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10791 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10793 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement was not found in file. | The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The representative FICO score is above 680. | The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The representative FICO score is above 680. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10793 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10794 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $405.00 exceeds tolerance of $350.00 plus 10% or $385.00. $20.00 over legal limit. Insufficient or no cure was provided to the borrower. (0) | 10% tolerance was exceeded by $55 due to increase of Title - Settlement / Closing / Escrow Fee, Title - Closing Protection Letter Fee. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10794 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX016) | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10797 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10797 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3157640) | Mortgage insurance payment of $91.47 monthly is included on the final Closing Disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10797 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the mortgage insurance payment for payment stream 2. (ProjSeq:2/3157641) | Mortgage insurance payment of $91.47 monthly is included. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10797 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XX/XX/XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (FinXX/XX/XXXX) | Seller Closing Disclosure is missing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10797 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3157641) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10797 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure is required to be provided to the borrower within 6 business days prior to closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10797 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Closing Disclosure is required to be provided to the borrower within 3 business days prior to closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10797 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10797 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10797 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Exception remains. note is Conventional with MI therefore Mortgage Insurance Certificate is needed.<br>Seller Comment (XX/XX/XXXX): MI IS NOW CANCELLED WITH BALANCE OF LOAN. LOAN ORIGINATED CLOSE TO 10 YEARS AGO. NOT HAVING THE MI CERT FROM ORIGINATION ON A LOAN IT IS NO LONGER ACTIVE SHOULDN'T BE MATERIAL GRADE 3. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10797 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Calculated loaXX/XX/XXXXlue percentage of XX% exceeds guideline loaXX/XX/XXXXlue percentage of 96.50%. Subject property sales price $XXXX and loan amount is $XXXX. | Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): XXXXsent SAMC a loan list for Small Creditor Portfolio QM and this loan was no on the list.<br>Seller Comment (XX/XX/XXXX): XXXXto review<br>Reviewer Comment (XX/XX/XXXX): Exception remains due to LTV and CLTV exceeded max allowed per guideline<br>Seller Comment (XX/XX/XXXX): Unable to provide exception approval however this loan was originated by XXXX and based on asset size and number of originations, would have qualified for Small Creditor Exemption. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10797 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XX% exceeds Guideline combined loan to value percentage of XX%. | Calculated combined loaXX/XX/XXXXlue percentage of XX% exceeds guideline loaXX/XX/XXXXlue percentage of 96.50%. Subject property sales price $XXXX and loan amount is $XXXX. | Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Exception remains due to LTV and CLTV exceeded max allowed per guideline<br>Seller Comment (XX/XX/XXXX): Unable to provide exception approval however this loan was originated by XXXX and based on asset size and number of originations, would have qualified for Small Creditor Exemption. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10797 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Waterfall due to DTI. Per approval, loan was approved with DTI XX%, which exceeds 43% max allowed per guideline. A lender approved exception for higher DTI threshold with compensating factors was not provided. | Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Exception remains due to DTI exceeding 43% allowed per SHQM<br>Seller Comment (XX/XX/XXXX): Unable to provide exception approval however this loan was originated by XXXX and based on asset size and number of originations, would have qualified for Small Creditor Exemption. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10797 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Calculated loaXX/XX/XXXXlue and combined loaXX/XX/XXXXlue XX% exceeds guideline loaXX/XX/XXXXlue percentage of 96.50%. Subject property sales price $XXXX and loan amount is $XXXX. | Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Exception remains due to LTV and CLTV exceeded max allowed per guideline<br>Seller Comment (XX/XX/XXXX): Unable to provide exception approval however this loan was originated by XXXX and based on asset size and number of originations, would have qualified for Small Creditor Exemption. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10797 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% significantly exceeds the guideline maximum of 43.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Per approval, loan was approved with DTI XX%, which exceeds 43% max allowed per guideline. A lender approved exception for higher DTI threshold with compensating factors was not provided. | Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive<br>Reviewer Comment (XX/XX/XXXX): Exception remains due to DTI exceeding 43% allowed per SHQM<br>Seller Comment (XX/XX/XXXX): Unable to provide exception approval however this loan was originated by XXXX and based on asset size and number of originations, would have qualified for Small Creditor Exemption. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10797 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10799 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $55.00 plus 10% or $60.50. $39.50 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Cure amount not provided on final CD, file does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10799 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10799 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing Electronic Consent | The representative FICO score is above 680. | The representative FICO score is above 680. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10799 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10800 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10800 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10800 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10800 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10800 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10800 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10801 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $53,542.18 is under disclosed by $30,000.00 compared to the calculated Finance Charge of $83,542.18 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Finance charge understated by $30,000. No compliance or high cost analysis is in the file. The understated finance charge of $30,000 exceeds the maximum threshold of $100 that a finance charge can be understated. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10801 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10801 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $345.00 exceeds tolerance of $0.00. $345.00 over legal limit. Insufficient or no cure was provided to the borrower. (7708) | Home inspection Fee Added on XX/XX/XXXX Closing Disclosure was added as a fee of $345, the home inspection on the Loan Estimate was disclosed as $300. Fee is $45 over legal limit with insufficient or no cure to borrower |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10801 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10803 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Data being used in calculations.<br> Income: $XXXX.<br> Subject Mortgage P&I: $XXXX. (per guideline qualification method of Fixed term less than seven years-Locked rate + 2%).<br> Total Other Financing. N/A.<br> Hazard $XXXX.<br> Flood: $n/a.<br> MI $ n/a.<br> Taxes $XXXX.<br> Non subject REO $n/a.<br> HOA DUES $n/a.<br> Credit debt $XXXX |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): SHQM (APOR) EV2-B with lender exception approval, pre-consummation ATR analysis and sufficient comp factors.<br>Reviewer Comment (XX/XX/XXXX): File has been escalated to review lender granted exception. Exception comment will be updated upon receipt.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.<br>Seller Comment (XX/XX/XXXX): Uploaded exception to docacuity XXXX. CF #XXXXhich means low ltv/cltv per the table provided<br>Reviewer Comment (XX/XX/XXXX): Per lender exception screenshot unable to determine comp factors. Exception remains.<br>Seller Comment (XX/XX/XXXX): attached exception approval which indicates exception for front end dti over 35% but backend under threshold. compensating factor #XXXXhich is low ltv/cltv<br>Reviewer Comment (XX/XX/XXXX): Updated front end DTI is XX% which matches what the loan was approved at however it exceeds the guideline maximum of 35%. Lender approved exception with compensating factors was not provided.<br>Seller Comment (XX/XX/XXXX): LOAN IS A 7/1 ARM - QUALIFYING RATE IS START RATE. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10803 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10803 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Data being used in calculations.<br> Income: $XXXX.<br> Subject Mortgage P&I: $XXXX. (per guideline qualification method of Fixed term less than seven years-Locked rate + 2%).<br> Total Other Financing. N/A.<br> Hazard $XXXX.<br> Flood: $n/a.<br> MI $ n/a.<br> Taxes $XXXX.<br> Non subject REO $n/a.<br> HOA DUES $n/a.<br> Credit debt $XXXX |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): SHQM (APOR) EV2-B with lender exception approval, pre-consummation ATR analysis and sufficient comp factors.<br>Reviewer Comment (XX/XX/XXXX): File has been escalated to review lender granted exception. Exception comment will be updated upon receipt.<br>Seller Comment (XX/XX/XXXX): Uploaded exception to docacuity XXXX. CF #XXXXhich means low ltv/cltv per the table provided<br>Reviewer Comment (XX/XX/XXXX): Per lender exception screenshot unable to determine comp factors. Exception remains.<br>Seller Comment (XX/XX/XXXX): attached exception approval which indicates exception for front end dti over 35% but backend under threshold. compensating factor #XXXXhich is low ltv/cltv<br>Reviewer Comment (XX/XX/XXXX): Updated front end DTI is XX% which matches what the loan was approved at however it exceeds the guideline maximum of 35%. Lender approved exception with compensating factors was not provided.<br>Seller Comment (XX/XX/XXXX): LOAN IS A 7/1 ARM - QUALIFYING RATE IS START RATE. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10803 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10803 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $700.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10803 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10803 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor qualifying housing ratio discrepancy. | Calculated investor qualifying housing ratio of XX% exceeds Guideline housing ratio of XX%. | The approval and calculated front-end DTI is XX%, and the guidelines state the maximum front-end DTI allowed is 35% due to qualifying method: Fixed term less than seven years - Locked rate + 2%. Data being used in calculations.<br> Income: $XXXX.<br> Subject Mortgage P&I: $XXXX. (per guideline qualification method of Fixed term less than seven years-Locked rate + 2%).<br> Total Other Financing. N/A.<br> Hazard $XXXX.<br> Flood: $n/a.<br> MI $ n/a.<br> Taxes $XXXX.<br> Non subject REO $n/a.<br> HOA DUES $n/a. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Seller Comment (XX/XX/XXXX): ? Compensating factor was indicated as Low LTV/CLTV<br>Reviewer Comment (XX/XX/XXXX): Per lender exception screenshot unable to determine comp factors. Exception remains.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Calculated investor qualifying housing ratio of XX% exceeds Guideline housing ratio of XX%.<br>Seller Comment (XX/XX/XXXX): attached exception approval which indicates exception for front end dti over 35% but backend under threshold. compensating factor #XXXXhich is low ltv/cltv<br>Reviewer Comment (XX/XX/XXXX): Updated front end DTI is XX% which matches what the loan was approved at however it exceeds the guideline maximum of 35%. Lender approved exception with compensating factors was not provided.<br>Seller Comment (XX/XX/XXXX): LOAN IS A 7/1 ARM - QUALIFYING RATE IS START RATE. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10803 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10803 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor DTI significantly exceeds Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines of XX% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Data being used in calculations.<br> Income: $XXXX.<br> Subject Mortgage P&I: $XXXX. (per guideline qualification method of Fixed term less than seven years-Locked rate + 2%).<br> Total Other Financing. N/A.<br> Hazard $XXXX.<br> Flood: $n/a.<br> MI $ n/a.<br> Taxes $XXXX.<br> Non subject REO $n/a.<br> HOA DUES $n/a.<br> Credit debt $XXXX | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Seller Comment (XX/XX/XXXX): Uploaded exception to docacuity XXXX. CF #XXXXhich means low ltv/cltv per the table provided<br>Reviewer Comment (XX/XX/XXXX): Per lender exception screenshot unable to determine comp factors. Exception remains.<br>Seller Comment (XX/XX/XXXX): attached exception approval which indicates exception for front end dti over 35% but backend under threshold. compensating factor #XXXXhich is low ltv/cltv<br>Reviewer Comment (XX/XX/XXXX): Updated front end DTI is XX% which matches what the loan was approved at however it exceeds the guideline maximum of 35%. Lender approved exception with compensating factors was not provided.<br>Seller Comment (XX/XX/XXXX): LOAN IS A 7/1 ARM - QUALIFYING RATE IS START RATE. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10803 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10807 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Loan was approved with higher DTI 64.57%. However, a lender exception for higher DTI with compensating factors was not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10807 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10807 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment. The disclosed frequency of adjustments does not match the actual adjustment period for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10807 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10807 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10807 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10807 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Loan was approved with higher DTI 64.57%. However, a lender exception for higher DTI with compensating factors was not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Cleared in error.<br>Reviewer Comment (XX/XX/XXXX): Client agrees, no approval provided.<br>Seller Comment (XX/XX/XXXX): I have included the CTC package which acknolwedges the high DTI and the income calculation. In the package, the Portfolio Exception request was signed off on by the underwriter and they also acknowledged the income being lower. No management approval is in the file. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10807 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10808 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10808 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10809 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | Borrower: XXXX | Per final 1003, borrower is Permanent Residence Alien however supporting doc required was not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10809 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10809 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $150.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10809 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10809 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing in file. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10809 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10809 | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Per final 1003, borrower is Permanent Residence Alien however supporting doc required was not provided. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10809 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10809 | XXXX | XXXX | XXXX | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | Borrower: XXXX | Per final 1003, borrower is Permanent Residence Alien however supporting doc required was not provided. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10809 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10809 | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. | Per Doc ID 0323 the borrowers had to give back $7000 of the gift funds, which is now causing the insufficient funds for closing. The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10809 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10809 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Per Doc ID 0323 the borrowers had to give back $7000 of the gift funds, which is now causing the insufficient funds for closing. The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10809 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10810 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Missing from the file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10810 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10810 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10810 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10810 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10810 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10810 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10810 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10811 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10811 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10812 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-715.00 exceeds tolerance of $-725.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) | Tolerance cure was taken care of at closing |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10812 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10812 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10812 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10813 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10813 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10815 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $135.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10815 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10815 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $475.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10815 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10816 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Missing initial 1003; application date not located in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10816 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10816 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX.XXXX) | Verification of appraisal was delivered to borrower, but not provided in file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10816 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10816 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Initial application missing in loan file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10816 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10816 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeowner Counseling Organizations Disclosure missing in file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10816 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10816 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX.XXXX) | Final Closing Disclosure dated XX/XX/XXXX did not disclose a reason for not having an escrow account on page 4. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10816 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10816 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Loan restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10816 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10816 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Loan restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10816 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10817 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (InitiXX/XX/XXXX) | Issue date was left blank on Closing Disclosure. It appears issue date was XX/XX/XXXX due to Closing disclosure print date was XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Good Faith Redisclosure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10817 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10818 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | There is no verification inthe file that the borrower received a copy of the valuation at least 3 business days prior to close. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10818 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10818 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10818 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10818 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10818 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10821 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10821 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10821 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 5,746.62 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Amount of Estimated Property Costs over Year 1 of 5,746.62 on Final Closing Disclosure provided on XX/XX/XXXX are over disclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10821 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10821 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10821 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10821 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10821 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10822 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $130.00 exceeds tolerance of $115.00 plus 10% or $126.50. $3.50 over legal limit. Insufficient or no cure was provided to the borrower. (0) | 10% tolerance was exceeded by $15.00 due to Increase of Recording Fee. No valid COC provided, nor evidence of cure in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10822 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10822 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $275.00 exceeds tolerance of $0.00. $275.00 over legal limit. Insufficient or no cure was provided to the borrower. (7708) | Home Inspection Fee $275.00 was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10822 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10822 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. (7713) | Pest Inspection Fee $50.00 was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10822 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10822 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10822 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10822 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall due to calculated DTI XX% exceeds maximum guideline DTI requirement of 45%.Lender exception in file did not specify DTI | Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Lender exception does not resolve Safe Harbor QM testing max DTI of 43%.<br>Seller Comment (XX/XX/XXXX): Attached approval with DTI at 47% and exception request for the DTI. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10822 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10822 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Waterfall due to calculated DTI XX% is exceeds maximum guideline DTI 45%.Lender exception in file did not specify DTI | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | Originator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Lender exception to waive and downgrade<br>Seller Comment (XX/XX/XXXX): Attached approval with DTI at 47% and exception request for the DTI. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10822 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10825 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement was not found in file. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10825 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10826 | XXXX | XXXX | XXXX | Credit | Note | General | Note | Loans with an application date after XXXX using a LIBOR Index are not Agency Salable. | Index: LIBOR - 1 Year (Daily); Note Date: XX/XX/XXXX | LIBOR 1 year is used |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10826 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10826 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10826 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10826 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Current Employment history requirement not met. Missing 2 years employment history. Missing paystub and VVOE for 2nd job with XXXX |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10826 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10826 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10826 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10826 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing paystub and VVOE for 2nd job with XXXX XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Exception remains, 2 years employment history not met Voe provided confirms current employment which is less than 2 years.<br>Seller Comment (XX/XX/XXXX): again as previously stated the income from XXXX was not used to qualify so paystub and vvoe for michigan are not required. w2s were used to document 2 years employment history<br>Reviewer Comment (XX/XX/XXXX): Exception remains. 2 years employment history required.A copy of borrower's degree is also required for eligibility<br>Seller Comment (XX/XX/XXXX): INCOME FROM XXXX WAS NOT USED TO QUALIFY. PAYSTUB AND 10 DAY VVOE NOT REQUIRED FOR THIS EMPLOYMENT, XXXX EMPLOYMENT INCOME WAS DOCUMENTED |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10826 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10826 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing paystub and VVOE for 2nd job with XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (XX/XX/XXXX): Exception remains, 2 years employment history not met Voe provided confirms current employment which is less than 2 years.<br>Seller Comment (XX/XX/XXXX): again as previously stated the income from XXXX was not used to qualify so paystub and vvoe for michigan are not required. w2s were used to document 2 years employment history<br>Reviewer Comment (XX/XX/XXXX): Exception remains. 2 years employment history required.A copy of borrower's degree is also required for eligibility<br>Seller Comment (XX/XX/XXXX): INCOME FROM XXXX WAS NOT USED TO QUALIFY. PAYSTUB AND 10 DAY VVOE NOT REQUIRED FOR THIS EMPLOYMENT, BORR MAIN EMPLOYMENT INCOME WAS DOCUMENTED |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10826 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10826 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated no Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10826 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10826 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10826 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10826 | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, A copy of borrower's degree will be required to confirm eligibility however it is not located in the file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Exception remains, 2 years employment history not met VOE provided confirms current employment which is less than 2 years.<br>Seller Comment (XX/XX/XXXX): w2s were used to document 2 years employment history<br>Reviewer Comment (XX/XX/XXXX): Exception remains. 2 years employment history required.A copy of borrower's degree is also required for eligibility<br>Seller Comment (XX/XX/XXXX): SENT DOCTOR RESIDENCY VVOE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10826 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10826 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing paystub and VVOE for 2nd job with XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Exception remains, 2 years employment history not met Voe provided confirms current employment which is less than 2 years.<br>Seller Comment (XX/XX/XXXX): again as previously stated the income from XXXX was not used to qualify so paystub and vvoe for michigan are not required. w2s were used to document 2 years employment history<br>Reviewer Comment (XX/XX/XXXX): Exception remains. 2 years employment history required.A copy of borrower's degree is also required for eligibility<br>Seller Comment (XX/XX/XXXX): INCOME FROM XXXX WAS NOT USED TO QUALIFY. PAYSTUB AND 10 DAY VVOE NOT REQUIRED FOR THIS EMPLOYMENT, XXXX EMPLOYMENT INCOME WAS DOCUMENTED |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10826 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10831 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10831 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10831 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $165.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10831 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10831 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10831 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10834 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10834 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10834 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Disclosure not provided |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10834 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10834 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $660.00 exceeds tolerance of $625.00. $35.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points were last disclosed as $625.00 on the Loan Estimate but were disclosed as $660.00 on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10834 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10834 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10834 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10834 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10834 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10834 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10834 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10835 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10835 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10835 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10835 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10836 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10836 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10836 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $161.88 exceeds tolerance of $161.00. $0.88 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Fee on Loan Estimate in the amount of $161.00 was increased to $161.88 on Closing Disclosure. A valid COC for the fee increase was not provided. No cure at close. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10836 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10837 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-746.88 exceeds tolerance of $-764.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-746.88 exceeds tolerance of $-764.00. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10837 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10838 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10838 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10838 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,469.00 exceeds tolerance of $1,270.00 plus 10% or $1,397.00. $XX over legal limit. Insufficient or no cure was provided to the borrower. (0) | Fee was increased on XX/XX/XXXX Loan Estimate and again on XX/XX/XXXX Closing Disclosure, fees that exceed the 10% tolerance is the recording and courier/messenger fees |  |  |  | Reviewer Comment (XX/XX/XXXX): SitusAMC received BPO, however we require valid COC for increase of title fees. Please provide valid COC with sufficient information why fee increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10838 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10840 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) | Receipt dated XX/XX/XXXX however appraisal report dated XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10840 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10840 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10840 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10840 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,100.00 exceeds tolerance of $1,065.00. Sufficient or excess cure was provided to the borrower at Closing. (7334) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10840 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10840 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.40 exceeds tolerance of $63.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10840 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10841 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX.XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10841 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10841 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Originator Company License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not in approved license status to conduct loan origination activities. | Loan Originator Organization not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10841 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10841 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10841 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10841 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR Irregular Transaction | TILA-RESPA Integrated Disclosure - Loan Calculations: APR ofXX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR ofXX% outside ofXX% tolerance. (FinXX/XX.XXXX) | APR ofXX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR ofXX% outside ofXX% tolerance. MI payment of $60.23 is not reflected on the Final Closing Disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10841 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10841 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $78,117.73 is under disclosed by $5,059.32 compared to the calculated Finance Charge of $83,177.05 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX.XXXX) | Finance charge understated by $5,059.32. Mortgage insurance payment of $60.23 was not reflected on the Final Closing Disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10841 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10841 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3151636) | The mortgage insurance payment of $0.00 disclosed on the Final Closing Disclosure does not match the actual mortgage insurance payment of $60.23. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10841 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10841 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $178,023.08 is under disclosed by $5,059.32 compared to the calculated total of payments of $183,082.40 which exceeds the $0.02 per month threshold. (FinXX/XX.XXXX) | Total payments understated by $5,059.32. Mortgage insurance payment of $60.23 was not reflected on the Final Closing Disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10841 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10841 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Restated Loan Designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10841 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10841 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Assigning to XXXX: Per Seller, they would like XXXXto waive with verified compensation factors<br>Seller Comment (XX/XX/XXXX): XXXXTO WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10841 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10841 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Missing the subject property Purchase Agreement and any/all addendums/counter offers/etc., showing final sales price of $XXXX. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Purchase contract provided, however addendum notes closing extended until XXXX. Loan closed XXXX. Provide the purchase contract addendum signed by all parties with extension.<br>Seller Comment (XX/XX/XXXX): attached purchase agreement |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10841 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10842 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $178.00 exceeds tolerance of $100.00 plus 10% or $110.00. $68.00 over legal limit. Insufficient or no cure was provided to the borrower. (0) | 10% tolerance was exceeded by $68.00 due to Increase of Recording Fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (XX/XX/XXXX): SitusAMC received BPO, however we require valid COC for increase of recording fee on CD dated XX/XX/XXXX. Please provide valid COC with sufficient information why fee increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10842 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10843 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to borrower at least three business days prior to closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | No Defined Cure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10843 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10843 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10843 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10846 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan (Tax amount verified from property tax document) |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10846 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10847 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | FACTA Disclosure missing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10847 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10847 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10847 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10848 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) | Appraisal receipt date is XX/XX/XXXX and appraisal report date is XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10848 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10849 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. | Designation has been restated. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10849 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10849 | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $XXX. | Required cash to close is $XXX and no assets provided in the file. | The Loan to Value (LTV) on the loan is less than or equal to 70%. | The Loan to Value (LTV) on the loan is less than or equal to 70% | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Total fees at closing include any fees paid outside of closing. Missing the source of the HOI paid prior to closing.<br>Seller Comment (XX/XX/XXXX): If this loan is SHQM, then it can be SHQM<br>Reviewer Comment (XX/XX/XXXX): Total fees at closing include any fees paid outside of closing. Missing the source of the HOI paid prior to closing.<br>Seller Comment (XX/XX/XXXX): The hazard insurance was renewed in november. this loan closed in XXXX. Why do we need to show the borrower paid this over 2 months prior? no cash was needed at closing because they got cash out of over $1000. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10849 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10849 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. | Calculated qualifying asset balance of is less than AUS qualifying asset balance of $XXX. | AUS requires $XXX to be verified and no assets were proivided. | The Loan to Value (LTV) on the loan is less than or equal to 70%. | The Loan to Value (LTV) on the loan is less than or equal to 70% | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Total fees at closing include any fees paid outside of closing. Missing the source of the HOI paid prior to closing.<br>Seller Comment (XX/XX/XXXX): If this loan is SHQM, then it can be SHQM |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10849 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10849 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Waterfall due to AUS requires $XXX to be verified and no assets were provided. | The Loan to Value (LTV) on the loan is less than or equal to 70%. | The Loan to Value (LTV) on the loan is less than or equal to 70% | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Total fees at closing include any fees paid outside of closing. Missing the source of the HOI paid prior to closing.<br>Seller Comment (XX/XX/XXXX): If this loan is SHQM, then it can be SHQM |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10849 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10851 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10851 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10851 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan allows for Partial Payments. (FinXX/XX/XXXX) | The Final CD has both may accept and does not accept of boxes checked in the "Partial Payments" section on page 4. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10851 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10851 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10851 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10851 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10851 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10851 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10851 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10852 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10852 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10852 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10852 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10852 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10852 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10854 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $86.00 exceeds tolerance of $66.00. $20.00 over legal limit. Insufficient or no cure was provided to the borrower. (7580) | Fee increased on Closing Disclosure issued XX/XX/XXXX with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10854 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10854 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Deed Preparation Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. $75.00 over legal limit. Insufficient or no cure was provided to the borrower. (77231) | Fee added to Closing Disclosure issued XX/XX/XXXX with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10854 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10855 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Acknowledgement of Receipt of Home Mortgage Loan Information Document not available |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10855 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10856 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal delivery receipt is not provided to the borrower. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10856 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10856 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Calculated DTI of XX% is in excess of the Guidelines maximum of 45%. Loan was approved at XX%. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10856 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10856 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10856 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10856 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Calculated DTI of XX% is in excess of the Guidelines maximum of 45%. Loan was approved at XX%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Seller Comment (XX/XX/XXXX): ATTACHED DTI APPROVAL FROM THE LENDER'S ORIGINATION SYSTEM. IT IS THE EXCEPTION TRACKING ON THE LOAN. I CAN READ IT WITHOUT ZOOMING IN, BUT ZOOMING IN ON THE DOCUMENT IS CLEARLY SHOWS 'YES' FOR DTI EXCEPTION WITH '6' AS THE CF (COMPENSATING FACTOR). 6 MEANS DEEP OR STRONG CREDIT PROFILE NOTED IN THE KEY AT THE BOTTOM. THIS IS HOW THE LENDER DOCUMENTS THE APPROVED EXCEPTIONS FOR THEIR LOANS.<br>Reviewer Comment (XX/XX/XXXX): Trailing DTI exception is illegible and does not appear to be dated. Need DTI exception approval from time of origination and needs to be legible.<br>Seller Comment (XX/XX/XXXX): attached dti approval |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10856 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10856 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(c)(5) of XX% moderately exceed the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated DTI of XX% is in excess of the Guidelines maximum of 45%. Loan was approved at XX%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Comp factors used to waive exception<br>Reviewer Comment (XX/XX/XXXX): Trailing DTI exception is illegible and does not appear to be dated. Need DTI exception approval from time of origination and needs to be legible.<br>Seller Comment (XX/XX/XXXX): attached dti approval |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10856 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10860 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | The application date is XX/XX/XXXX and the disclosure was provided XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10860 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10861 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10861 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10862 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing a balance sheet for the Sch. C income and lease agreement for REO, XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): P&L provided. Exception will remain with missing a balance sheet and lease agreement.<br>Seller Comment (XX/XX/XXXX): Per lender in regards to sch C, Providing P and L and Business bank statements. The bank statements may have been provided before but note that these are business accounts. This is all I have in the file outside of the tax returns. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10862 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10862 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated no Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10862 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10864 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX016) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10864 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10864 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10864 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10864 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10864 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10864 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10864 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10864 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10864 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10864 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3143141) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10864 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10864 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment - Fixed Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 1 that does not match the actual maximum payment for the loan. (ProjSeq:1/3143141) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 1 that does not match the actual maximum payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10864 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10864 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - Pre 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 2,100.00 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Amount of Estimated Property Costs over Year 1 of 2,100.00 on Final Closing Disclosure provided on XX/XX/XXXX are over disclosed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10864 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10864 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10864 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10864 | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Construction Loan Addendum / Allonge not provided |  | Construction Loan addendum is missing | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Lender is unable to obtain, exception remains.<br>Seller Comment (XX/XX/XXXX): Lender unable to obtain. construction period is over and loan is paying based on the note agreement |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10864 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10864 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Co-Borrower VVOE document is missing in file | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan has enough documentation to reach Safe harbor<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Paystubs provided are dated XX/XX/XXXX16 which is not within 10 business days of note dateXX/XX/XXXXexception remains.<br>Seller Comment (XX/XX/XXXX): paystub included in the income docs that is within 10 business days of closing day is acceptable for 10 day PCV requirement<br>Reviewer Comment (XX/XX/XXXX): Please provide VOE within 10 days from closing, Exception remains.<br>Seller Comment (XX/XX/XXXX): attached XXXX income docs |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10864 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10864 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Co-Borrower VVOE document is missing in file | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan has enough documentation to reach Safe harbor<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Paystubs provided are dated XX/XX/XXXX16 which is not within 10 business days of note dateXX/XX/XXXXexception remains.<br>Seller Comment (XX/XX/XXXX): paystub included in the income docs that is within 10 business days of closing day is acceptable for 10 day PCV requirement<br>Reviewer Comment (XX/XX/XXXX): Please provide VOE within 10 days from closing, Exception remains.<br>Seller Comment (XX/XX/XXXX): attached XXXX income docs |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10864 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10864 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Co-Borrower VVOE document is missing in file | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): The loan has enough documentation to reach Safe harbor<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Paystubs provided are dated XX/XX/XXXX16 which is not within 10 business days of note dateXX/XX/XXXXexception remains.<br>Seller Comment (XX/XX/XXXX): paystub included in the income docs that is within 10 business days of closing day is acceptable for 10 day PCV requirement<br>Reviewer Comment (XX/XX/XXXX): Please provide VOE within 10 days from closing, Exception remains.<br>Seller Comment (XX/XX/XXXX): attached XXXX income docs |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10864 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10865 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX) | The final CD dated XX/XX/XXXX non-escrowed property cost is blank on page 4. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10865 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10866 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10866 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10866 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10866 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10866 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10866 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10866 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | No evidence of an Approval in file. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10866 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10866 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | File is missing two months bank statements for XXXX account XXXX which was used to qualify per Final 1003.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | The refinance has decreased the borrower's monthly debt payments by 20% or more. | The refinance has decreased the borrower's monthly debt payments by 20% or more. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10866 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10866 | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $XXXX. | File is missing two months bank statements for XXXX account XXXX which was used to qualify per Final 1003.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | The refinance has decreased the borrower's monthly debt payments by 20% or more. | The refinance has decreased the borrower's monthly debt payments by 20% or more. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10866 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10866 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The refinance has decreased the borrower's monthly debt payments by 20% or more. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10866 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10866 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX. | No assets were provided to support the reserves required per lender guides.<br> File is missing two months bank statements for XXXX account XXXX which was used to qualify per Final 1003.<br> Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | The refinance has decreased the borrower's monthly debt payments by 20% or more. | The refinance has decreased the borrower's monthly debt payments by 20% or more. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10866 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10867 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | File is missing additional bank statements to cover a 2 month period for all accounts on the final application, as required by AUS findings. Only 1 month was provided in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Even if the lender is the holder of the borrower's account, bank statements covering the most recent full two-month period or printout covering the most recent full two-month period are required.<br>Seller Comment (XX/XX/XXXX): Per lender, borrower was Bank customer and all accounts verified were XXXso they only obtained 1 month.<br>Seller Comment (XX/XX/XXXX): Only 1 month bank statements obtained. Meets Freddie guides. XXXX origination. XXXXto review. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10867 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10867 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX, Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX, Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX, Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX, Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX, Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX, Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX | File is missing additional bank statements to cover a 2 month period for all accounts on the final application, as required by AUS findings. Only 1 month was provided in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Even if the lender is the holder of the borrower's account, bank statements covering the most recent full two-month period or printout covering the most recent full two-month period are required.<br>Seller Comment (XX/XX/XXXX): Per lender, borrower was Bank customer and all accounts verified were XXXso they only obtained 1 month.<br>Seller Comment (XX/XX/XXXX): Only 1 month bank statements obtained. Meets Freddie guides. XXXX origination. XXXXto review. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10867 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10867 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $45.90 exceeds tolerance of $44.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Investment | Purchase | Final CD evidences Cure B A | N/A | N/A | Yes | CMLTI 2026-1-10867 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10868 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $135.38 exceeds tolerance of $131.00. Sufficient or excess cure was provided to the borrower at Closing. (7200) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10868 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10870 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | XX/XX/XXXX receipt of the right to receive a copy of the appraisal disclosure was not within 3 days of XX/XX/XXXX application. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10870 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10870 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Application date was XX/XX/XXXX and Loan Estimate was issued XX/XX/XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): SitusAMC received BPO documents. However, we would require Initial LE within three business days of the application datedXX/XX/XXXX in order to clear the exception. |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10870 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10871 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXX/17044711) | Current and prior employment does not cover the 2 years of employment. A gap of employment was provided in the file.<br>While an Appendix Q requires verification of a full two-year work history, However, in our discussions with outside counsel, they believe it was appropriate to cite an EV2-B exception for loans in which explicit employment dates may not be stated but which have various third-party documentation that corroborates the employment dates on the 1003. This way, any potential investor can be notified that while the employment verification on the 1003 was corroborated through the use of third-party documentation, which in this case were the W-2s from XXXX and XXXX, there was no explicit documentation of dates in file and they can then determine the risk for themselves. The W-2s, which do not have a specific start date, is used in conjunction with the recent paystubs in file to verify the two-year employment history and meet App Q requirements. Note that this EV2 employment history exception has no bearing on the loan designation which allows the loan to achieve a SHQM status. <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10871 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10871 | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. | Approval required $XXXX to close; however, the actual cost to close was $XXXX, resulting in a shortage.<br> Assets verified #XXXX balance $XXXX, #XXXX balance $XXXX, #XXXX1 balance $XXXX, XXXX balance $XXXX and #XXXX balance $XXXX. Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10871 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10871 | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Approval required $XXXX to close; however, the actual cost to close was $XXXX, resulting in a shortage.<br> Assets verified #XXXX balance $XXXX, #XXXX balance $XXXX, #XXXX1 balance $XXXX, XXXX balance $XXXX and #XXXX balance $XXXX. Applications received before XX/XX/XXXX must satisfy the criteria under the prior QM rule (the DTI-based General QM definition with App Q) as the revised QM rule did not yet take effect. <br> • The loan passed all Appendix Q testing <br> • As a result of passing Appendix Q testing, Loan Designation is SHQM. <br> • Any additional income/asset exceptions that may have failed do not have an impact on the Loan Designation which only needs to meet Appendix Q requirements to be a QM loan. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10871 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10872 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10872 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10873 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $87.40 exceeds tolerance of $67.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10873 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10874 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10874 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10874 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): At the time of transaction e-consent was missing.<br>Seller Comment (XX/XX/XXXX): XXXXto review - loan over 3 years seasoned |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10874 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10875 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment.<br>Seller Comment (XX/XX/XXXX): XXXXTO WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10875 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10875 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $110.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10875 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10880 | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee on insurance document is XXXX National Association ISAOA and lender is XXXX. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Seller Comment (XX/XX/XXXX): XXXXTO REVIEW/WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10880 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10883 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10883 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10884 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Lender did not provide copy of each valuation to borrowers 3 days prior to consummation. Missing signatures on right to receive valuations |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10884 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10886 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $254.00 exceeds tolerance of $245.00. Sufficient or excess cure was provided to the borrower at Closing. (7200) | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $254.00 exceeds tolerance of $245.00. There is no cure amount or cure letter in file. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10886 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10886 | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Permanent Resident card is required and not provided. | The representative FICO score is above 680. | The representative FICO score is above 680. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10886 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10887 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $244.00 exceeds tolerance of $0.00. $244.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points Fee Amount if $244.00 exceeds tolerance of $0.00. $244.00 with no valid change of circumstances and no cure was provided to borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10887 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10887 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Provided Hazard insurance policy is expired on XX/XX/XXXX. Renewal policy is not provided. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10887 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10887 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is not provided. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10887 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10888 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $964.00 exceeds tolerance of $767.00 plus 10% or $843.70. $120.30 over legal limit. Insufficient or no cure was provided to the borrower. (0) | 10% tolerance was exceeded by $120.30 due to an increase in recording fee. No valid Change of Circumstance was provided, nor was evidence of cure found in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $120.30, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (XX/XX/XXXX): SitusAMC received no documents to address the 10% tolerance cure. Title fees were increased on final CD without providing any valid COC. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10888 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10889 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. | Individual Loan Originator not licensed to conduct loan origination activities. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10889 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10889 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10889 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10889 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $1,797.50 may be required. | No Loan Estimates provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10889 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10889 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to file missing verification of existence of borrower 2 business through a third party source dated no more than 30 das prior to the Note Date. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Client agrees<br>Seller Comment (XX/XX/XXXX): it was pulled on 1XX/XX/XXXX16. it is reflective on the document in the upper right hand corner. Based on the closing date, this is outside 30 days. This was the only verification performed for XXXX .<br>Reviewer Comment (XX/XX/XXXX): AUS required verification of existence of business dated no more than 30 days prior to note date, or after the note date but prior to delivery. Document provided is dated more than 30 days prior to closing.<br>Seller Comment (XX/XX/XXXX): 3rd party voe provided |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10889 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10889 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to file missing verification of existence of borrower 2 business through a third party source dated no more than 30 das prior to the Note Date. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (XX/XX/XXXX): Client agrees<br>Seller Comment (XX/XX/XXXX): it was pulled on 1XX/XX/XXXX16. it is reflective on the document in the upper right hand corner. Based on the closing date, this is outside 30 days. This was the only verification performed for XXXX .<br>Reviewer Comment (XX/XX/XXXX): AUS required verification of existence of business dated no more than 30 days prior to note date, or after the note date but prior to delivery. Document provided is dated more than 30 days prior to closing.<br>Seller Comment (XX/XX/XXXX): 3rd party voe provided |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10889 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10889 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10889 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10889 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File missing verification of existence of borrower 2 business through a third party source dated no more than 30 das prior to the Note Date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Client agrees<br>Seller Comment (XX/XX/XXXX): it was pulled on 1XX/XX/XXXX16. it is reflective on the document in the upper right hand corner. Based on the closing date, this is outside 30 days. This was the only verification performed for XXXX .<br>Reviewer Comment (XX/XX/XXXX): AUS required verification of existence of business dated no more than 30 days prior to note date, or after the note date but prior to delivery. Document provided is dated more than 30 days prior to closing.<br>Seller Comment (XX/XX/XXXX): 3rd party voe provided |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10889 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10890 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10890 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10891 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,493.00 exceeds tolerance of $1,856.00 plus 10% or $2,041.60. $451.40 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Recording Fee increased on closing disclosure issued XX/XX/XXXX, Change of circumstance missing in the loan file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10891 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10891 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Recording Fee Total. Fee Amount of $294.00 exceeds tolerance of $198.00. $96.00 over legal limit. Insufficient or no cure was provided to the borrower. (8202) | Recording Fee increased on closing disclosure issued XX/XX/XXXX, Change of circumstance missing in the loan file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10891 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10892 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $55.00 exceeds tolerance of $40.00 plus 10% or $44.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10892 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10893 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $485.63 exceeds tolerance of $476.00. Sufficient or excess cure was provided to the borrower at Closing. (7200) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10893 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10894 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Missing evidence of receipt for appraisal dated XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10894 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10894 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10894 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10894 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan allows for Partial Payments. (FinXX/XX/XXXX) | The Final Closing Disclosure checked the boxes in the "Partial Payments" section on page 4. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10894 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10894 | XXXX | XXXX | XXXX | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | Missing from the file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10894 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10894 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10894 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10894 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10894 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10894 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7507) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10894 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10894 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%. | The qualifying DTI on the loan is less than or equal to 35%. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10894 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10894 | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided |  | Missing for the subject second lien. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%. | The qualifying DTI on the loan is less than or equal to 35%. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive<br>Reviewer Comment (XX/XX/XXXX): Received the second lien Note for the subordinate lien for $XXXX. Pending receipt of the Note for the subordinate lien for $XXXX Closing Statement provided and disbursement letter is for current lien transaction for $XXXX and security instrument was provided for the additional lien for $XXXX vs the Note. Also, the 1008 and DU were run wit subordinate liens of $XXXX vs $XXXX.<br>Seller Comment (XX/XX/XXXX): attached 2nd lien note |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10894 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10894 | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided |  | Missing for the subject second lien. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%. | The qualifying DTI on the loan is less than or equal to 35%. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10894 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10894 | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined High loan to value discrepancy. | Calculated high loan to value percentage of XX% exceeds AUS high loan to value percentage of XX% |  | The qualifying DTI on the loan is less than or equal to 35%. | The qualifying DTI on the loan is less than or equal to 35%. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Received the second lien Note for the subordinate lien for $XXXX. Pending receipt of the Note for the subordinate lien for $XXXX Closing Statement provided and disbursement letter is for current lien transaction for $XXXX and security instrument was provided for the additional lien for $XXXX vs the Note. Also, the 1008 and DU were run wit subordinate liens of $XXXX vs $XXXX. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10894 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10894 | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XX% exceeds AUS combined loan to value percentage of XX%. |  | The qualifying DTI on the loan is less than or equal to 35%. | The qualifying DTI on the loan is less than or equal to 35%. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Received the second lien Note for the subordinate lien for $XXXX. Pending receipt of the Note for the subordinate lien for $XXXX Closing Statement provided and disbursement letter is for current lien transaction for $XXXX and security instrument was provided for the additional lien for $XXXX vs the Note. Also, the 1008 and DU were run wit subordinate liens of $XXXX vs $XXXX. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10894 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10895 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $80.00 exceeds tolerance of $45.00 plus 10% or $49.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | 10% tolerance was exceeded by $35 due to increase of $35 in Recording Fee with no valid change evident. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10895 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10896 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-255.00 exceeds tolerance of $-260.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10896 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10896 | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | The mortgagee on the hazard insurance is XXXX. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10896 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10898 | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Hazard Insurance policy effective date XX/XX/XXXX is after Note date XX/XX/XXXX and disbursement date of XX/XX/XXXX. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10898 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10899 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10899 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10899 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Re-stated designation |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10899 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10899 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10899 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10901 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $26,605.60 based on 80% of value, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10901 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10902 | XXXX | XXXX | XXXX | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | Borrower: XXXX | A copy of borrower's permanent resident alien card not included in file. | The representative FICO score is above 680. | The representative FICO score is above 680. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10902 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10903 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10903 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10903 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,643.38 exceeds tolerance of $-2,672.00. Insufficient or no cure was provided to the borrower. (9300) | The Lender Credits changed to $2,643.38 on the Closing Disclosure dated XX/XX/XXXX. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10903 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10903 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10903 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10903 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10903 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10903 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10903 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10904 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. | Re-stated to SHQM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10904 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10904 | XXXX | XXXX | XXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | File is missing the Full Appraisal form 1070 required by the AUS | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Seller Comment (XX/XX/XXXX): XXXXto review<br>Reviewer Comment (XX/XX/XXXX): A secondary valuation is missing from the file<br>Seller Comment (XX/XX/XXXX): LOAN WAS A COVID ORIGINATION - EXTERIOR ONLY APPRAISAL IN FILE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10904 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10904 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | File is missing the Full Appraisal form 1070 required by the AUS | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Seller Comment (XX/XX/XXXX): XXXXto review<br>Reviewer Comment (XX/XX/XXXX): A secondary valuation is missing from the file<br>Seller Comment (XX/XX/XXXX): LOAN WAS A COVID ORIGINATION - EXTERIOR ONLY APPRAISAL IN FILE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10904 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10907 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $350.00 exceeds tolerance of $0.00. $350.00 over legal limit. Insufficient or no cure was provided to the borrower. (7708) | Fee added on Closing Disclosure XX/XX/XXXX with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10907 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10907 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $80.00 exceeds tolerance of $0.00. $80.00 over legal limit. Insufficient or no cure was provided to the borrower. (7713) | Fee added on Closing Disclosure XX/XX/XXXX with no valid change evident. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10907 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10908 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10908 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10908 | XXXX | XXXX | XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  | Initial Good Faith Estimate not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10908 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10908 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX015) | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10908 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10908 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10908 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10908 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. | Disbursement date not provided on the HUD-1. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10908 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10908 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10908 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10908 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | HUD Settlement Cost Booklet not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10908 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10908 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | Initial Good Faith Estimate not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10908 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10908 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | Initial Truth in Lending not provided. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10908 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10908 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Incorrect HUD-1 Form Used | RESPA (2010) - Final HUD-1 Settlement Statement is not on the proper 2010 form. | Final HUD-1 Settlement Statement is not on the proper 2010 form. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10908 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10908 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Re-stated to Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10908 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10908 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Calculated investor qualifying total debt ratio of XX% exceeds guideline total debt ratio of XX%. | Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Exception remains due to calculated investor qualifying total debt ratio of XX% exceeds guideline total debt ratio of XX%.<br>Seller Comment (XX/XX/XXXX): Lender cannot provide CLC exception approval on the DTI for this loan. Loan closed with higher DTI |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10908 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10908 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall exception due to DTI failure. | Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Exception remains due to calculated investor qualifying total debt ratio of XX% exceeds guideline total debt ratio of XX%.<br>Seller Comment (XX/XX/XXXX): Lender cannot provide CLC exception approval on the DTI for this loan. Loan closed with higher DTI<br>Reviewer Comment (XX/XX/XXXX): Waterfall remains due to DTI failure. Please provide evidence of approved DTI exception from origination, unable to locate exception approval in file.<br>Seller Comment (XX/XX/XXXX): Lender approved DTI of 47%. Please regrade with compensating factors. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10908 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10909 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $450.00 exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10909 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10910 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio CSPA Tangible Net Benefit Test | Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10910 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10910 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely) | Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure at Closing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10910 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10910 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. | ROR expiration date reflects XX/XX/XXXX when calculated disbursement date is XX/XX/XXXX. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10910 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10911 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $738.00 exceeds tolerance of $542.00 plus 10% or $596.20. $141.80 over legal limit. Insufficient or no cure was provided to the borrower. (0) | 10% tolerance was exceeded by $196.00 due to increase of Recording fee, Title - Endorsement Fee, Title - Lender's Title Insurance, Title - Abstract / Title Search. No valid COC provided, no evidence of cure in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10911 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10912 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $55.00 plus 10% or $60.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10912 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10913 | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10913 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10914 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10914 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10914 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10914 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10914 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Per seller - LOAN OVER 5 YEARS SEASONED...XXXXTO REVIEW/ WAIVE<br>Seller Comment (XX/XX/XXXX): LOAN OVER 5 YEARS SEASONED...XXXXTO REVIEW/ WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10914 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10915 | XXXX | XXXX | XXXX | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | Date Issued: XX/XX/XXXX Issue Date: XX/XX/XXXX; Received Date: XX/XX/XXXX; Signed Date: XX/XX/XXXX | Closing Disclosure issued on XX/XX/XXXX was (received/signed) by borrower on XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10915 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10915 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. | Right to cancel signature date is XX/XX/XXXX with expiration date XX/XX/XXXX. Notary date is also XX/XX/XXXX. However, Closing Disclosure issued XX/XX/XXXX was signed XX/XX/XXXX with no evidence of earlier receipt. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10915 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10918 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Employment history requirement not met. Job gap from the dates of XX/XX/XXXX thru XX/XX/XXXX. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B based on compensating factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)<br>Reviewer Comment (XX/XX/XXXX): Per qm requirements a gap letter is required. Exception remains<br>Seller Comment (XX/XX/XXXX): Per lender, did not obtain as gap in employment was not significant. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10918 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10918 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated to NonQM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10918 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10918 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Employment history requirement not met. Job gap from the dates of XX/XX/XXXX thru XX/XX/XXXX. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Per qm requirements a gap letter is required. Exception remains<br>Seller Comment (XX/XX/XXXX): Per lender, did not obtain as gap in employment was not significant. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No | CMLTI 2026-1-10918 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10920 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10920 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10920 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $15.00 exceeds tolerance of $0.00. $15.00 over legal limit. Insufficient or no cure was provided to the borrower. (8304) | Transfer Tax Fee was added on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10920 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10924 | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10924 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10924 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Missing evidence of initial application date. Unable to determine application date and compliance with timing requirements. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10924 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10924 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10924 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10924 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10924 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10924 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) | Missing evidence of initial application date. Unable to determine application date and compliance with timing requirements. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10924 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10924 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | Missing evidence of initial application date. Unable to determine application date and compliance with timing requirements. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10924 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10924 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing evidence of initial application date. Unable to determine application date and compliance with timing requirements. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10924 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10924 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10924 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10924 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing evidence of initial application date. Unable to determine application date and compliance with timing requirements. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10924 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10924 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10924 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10924 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10924 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10924 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review.<br>Seller Comment (XX/XX/XXXX): LOAN IS OVER 3 YEARS SEASONED. XXXXTO REVIEW/WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10924 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10924 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Asset depletion income was used to qualify, however, guidelines do not indicate that it is a valid source of income.<br> PI $XXX.<br> Hazard $XXX.<br> Taxes $XXX.<br> HOA $XXX<br> Debts $XX<br> Non subject REO $XXX.<br> Income $XXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Loan is small creditor that follows the lender guidelines and allows for compensating factors to update the designation.<br>Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): We received mapping from XXXX indicating that the guideline to be used is "Classic & Premier Programs_FINAL_XX/XX/XXXX_V.2.pdf." However, the trailing document provided is not the actual guideline, but rather an interoffice memorandum.<br>Guidelines may not be received through the stip clearing process. Please upload to DocACuity for a income re-review.<br>Seller Comment (XX/XX/XXXX): Attached the guideline addendum again. the addendum refers to the classic guides that were used. it is an addendum to the classic guides allowed for asset depletion. The classic guides are correct. this was a missing addendum/update to those guides<br>Reviewer Comment (XX/XX/XXXX): We received mapping from XXXX indicating that the guideline to be used is "Classic & Premier Programs_FINAL_XX/XX/XXXX_V.2.pdf." However, the trailing document provided is not the actual guideline, but rather an interoffice memorandum.<br>Please upload the correct guideline documentation to DocAcutiy. Once received, we will proceed with the income re-review.<br>Seller Comment (XX/XX/XXXX): PER 1008 CLASSIC GUIDELINES USED WITH ADDITIONAL ASSET DEPLETION GUIDELINES. ATTACHED THE ASSET DEPLETION GUIDELINES TO THE CLASSIC PROGRAM WHICH ALLOWED FOR ASSET DEPLETION ON THIS LOAN |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10924 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10925 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | First-time homebuyers must complete a GSE approved certified education and counseling class. | Borrower's monthly mortgage payment has decreased by at least 20%. | Borrower's monthly mortgage payment has decreased by at least 20%. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10925 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10925 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | First-time homebuyers must complete a GSE approved certified education and counseling class. | Borrower's monthly mortgage payment has decreased by at least 20%. | Borrower's monthly mortgage payment has decreased by at least 20%. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10925 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10926 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan ofXX% or Final Disclosure APR ofXX% is equal to or greater than the threshold of APOR 3.15% + 1.5%, orXX%. Compliant Higher Priced Mortgage Loan. |  |  |  |  | Seller Comment (XX/XX/XXXX): XXXXto review<br>Reviewer Comment (XX/XX/XXXX): Compliant HPML, nothing required from lender. Investor to review for approval.<br>Seller Comment (XX/XX/XXXX): APPEARS THIS EXCEPTION SHOULD BE A GRADE 2 |  |  |  | 3 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10926 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10926 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Client to review seller comment. Per Seller - LOAN OVER 5 YEARS SEASONED. XXXXTO REVIEW/WAIVE<br>Seller Comment (XX/XX/XXXX): LOAN OVER 5 YEARS SEASONED. XXXXTO REVIEW/WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10926 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10926 | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Title Evidence: Commitment; <br> State: IN | The Title Commitment/Preliminary Title does not reflect the amount of the proposed Lender's coverage. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Seller Comment (XX/XX/XXXX): XXXXto review. title policy not ordered for loan<br>Seller Comment (XX/XX/XXXX): Lender did not get title insurance for this product. Seller is good with XXXXordering the title and paying for it<br>Reviewer Comment (XX/XX/XXXX): The title provided is missing hte insured amount<br>Seller Comment (XX/XX/XXXX): FINAL TITLE WAS NOT ORDERED FOR THIS LOAN. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10926 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10926 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $43.00 exceeds tolerance of $42.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | 0% tolerance was exceeded by $1 due to the Credit Report Fee. No valid COC was provided; Specific credit of $26 has been provided as cure at closing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10926 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10926 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $400.00 exceeds tolerance of $375.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | 0% tolerance was exceeded by $25 due to the Appraisal Fee. No valid COC was provided; Specific credit of $26 has been provided as cure at closing. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM | Yes | CMLTI 2026-1-10926 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10927 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-124.00 exceeds tolerance of $-125.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) | Lender Credits was last disclosed as -$125.00 on LE but disclosed as -$XXXX on Final Closing Disclosure. File does not contain a valid COC for this fee. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10927 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10928 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10928 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10928 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10928 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10928 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (FinXX/XX/XXXX) | Incomplete Closing Disclosure with a closing date of XX/XX/XXXX used in compliance testing. Issue date was left blank on Closing Disclosure. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10928 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10930 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX.XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10930 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10930 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10930 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10930 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $610.00 exceeds tolerance of $395.00. $215.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $610.00 exceeds tolerance of $395.00. $215.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10930 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10930 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10930 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10930 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10930 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10930 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10930 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10930 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10930 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10930 | XXXX | XXXX | XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Missing all title documentation. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10930 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10931 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10931 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10931 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10931 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10931 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10931 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10931 | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The appraisal transfer letter is missing from the file | Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10931 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10934 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement is missing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No | CMLTI 2026-1-10934 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10934 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel is missing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | Yes | CMLTI 2026-1-10934 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10934 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,575.00 exceeds tolerance of $-1,598.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,575.00 exceeds tolerance of $-1,598.00. No valid COC. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | Yes | CMLTI 2026-1-10934 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10935 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10935 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10935 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. | Loan originator details not found in NMLS. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10935 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10935 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | Loan originator details not found in NMLS. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10935 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10935 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client restated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10935 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10935 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client restated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10935 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10935 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing electronic consent. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Missing a disclosure that was completed within this transaction<br>Seller Comment (XX/XX/XXXX): Loan is over 7 years seasoned past the statute of limitations |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10935 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10935 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $400.00 exceeds tolerance of $395.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10935 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10935 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $73.35 exceeds tolerance of $55.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10935 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10937 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10937 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10937 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10937 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10937 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10937 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10937 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Since the loan is not paying off a same lender mortgage, transaction is not considered a lender to lender refinance and H8 is required. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10937 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10937 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. | Existence of escrow account disclosed on Final GFE does not match actual terms on Final HUD-1. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10937 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10937 | XXXX | XXXX | XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: Days before settlement not provided. | GFE Date: XX/XX/XXXX | Days before settlement rate must be locked is blank because Rate lock document is missing in file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10937 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10937 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10937 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10937 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization NMLS information on loan documents does not match NMLS. | No match found on NMLS search. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10937 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10937 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | No match found on NMLS search. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10937 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10940 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Lender requested an exception which was approved for less than two years employment history. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Borrower employment history due to <2 years. Borrower has been employed for 1 year as an XXXX @ $XXX hourly. Per employer, 72 Hrs per pay period =$XXX annually =$XXX/mo. UW using YTD = $XXX/mo for qualifying. Employer LOX in file states borrower will be receiving raise to $???/hr with additional hrs and responsibilities as XX/XX/XXXX15. Probability of continued emp is hiXX% gift down payment from grandmother. Credit score within guidelines, appears to be lower due to minimal credit usage, however all tradelines paid as agreed Zero lates; open tradelinesXXXXs) and one auth user accouXX% DTI 4560 / mo PITI payment is less than the average rent in XXXX. CRA low income borrower.<br>Seller Comment (XX/XX/XXXX): XXXX WAS A SMALL CREDIT LENDER AT THE TIME OF ORIGINATION - LOAN IS QM ELIGIBLE DUE TO THE STATUS OF THE LENDER BEING A SMALL CREDITOR |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10940 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10940 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Lender requested an exception which was approved for less than two years employment history. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): Regraded to EV2-B with comp factors.<br>Reviewer Comment (XX/XX/XXXX): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (XX/XX/XXXX): Borrower employment history due to <2 years. Borrower has been employed for 1 year as an XXXX @ $XXX hourly. Per employer, 72 Hrs per pay period =$XXX annually =$XXX/mo. UW using YTD = $XXX/mo for qualifying. Employer LOX in file states borrower will be receiving raise to $???/hr with additional hrs and responsibilities as XX/XX/XXXX15. Probability of continued emp is hiXX% gift down payment from grandmother. Credit score within guidelines, appears to be lower due to minimal credit usage, however all tradelines paid as agreed Zero lates; open tradelinesXXXXs) and one auth user accouXX% DTI 4560 / mo PITI payment is less than the average rent in XXXX. CRA low income borrower.<br>Seller Comment (XX/XX/XXXX): XXXX WAS A SMALL CREDIT LENDER AT THE TIME OF ORIGINATION - LOAN IS QM ELIGIBLE DUE TO THE STATUS OF THE LENDER BEING A SMALL CREDITOR |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10940 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10940 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated no Non-QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10940 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10940 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Lender requested an exception which was approved for less than two years employment history. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Own Funds Percent: 13.24%<br> Borrower's Own Funds Amount: $XXXX<br>Guidelines Representative FICO: XXX<br> Representative FICO: XXX | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (XX/XX/XXXX): Waived per client request.<br>Reviewer Comment (XX/XX/XXXX): Borrower employment history due to <2 years. Borrower has been employed for 1 year as an XXXX @ $XXX hourly. Per employer, 72 Hrs per pay period =$XXX annually =$XXX/mo. UW using YTD = $XXX/mo for qualifying. Employer LOX in file states borrower will be receiving raise to $???/hr with additional hrs and responsibilities as XX/XX/XXXX15. Probability of continued emp is hiXX% gift down payment from grandmother. Credit score within guidelines, appears to be lower due to minimal credit usage, however all tradelines paid as agreed Zero lates; open tradelinesXXXXs) and one auth user accouXX% DTI 4560 / mo PITI payment is less than the average rent in XXXX. CRA low income borrower.<br>Seller Comment (XX/XX/XXXX): XXXX WAS A SMALL CREDIT LENDER AT THE TIME OF ORIGINATION - LOAN IS QM ELIGIBLE DUE TO THE STATUS OF THE LENDER BEING A SMALL CREDITOR |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No | CMLTI 2026-1-10940 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10946 | XXXX | XXXX | XXXX | Credit | Note | General | Note | Loans with an application date after XXXX using a LIBOR Index are not Agency Salable. | Index: LIBOR - 1 Year (Daily); Note Date: XX/XX/XXXX |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10946 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10946 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10946 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10946 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:844XX/XX/XXXX) | Appraisal report dated XX/XX/XXXX note date is XX/XX/XXXX |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10946 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10946 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10946 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10946 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10946 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10946 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10946 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10947 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): XXXXto review<br>Seller Comment (XX/XX/XXXX): XXXXTO WAIVE |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10947 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10947 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $55.00 plus 10% or $60.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes | CMLTI 2026-1-10947 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10948 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $55,498.08 is under disclosed by $964.67 compared to the calculated Finance Charge of $56,462.75 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) | Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $55,498.08 is under disclosed by $964.67 compared to the calculated Finance Charge of $56,462.75 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | N/A | N/A | Yes | CMLTI 2026-1-10948 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10948 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $111,743.78 is under disclosed by $964.67 compared to the calculated total of payments of $112,708.45 which exceeds the $100.00 threshold. (FinXX/XX/XXXX) | Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $111,743.78 is under disclosed by $964.67 compared to the calculated total of payments of $112,708.45 which exceeds the $100.00 threshold. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | N/A | N/A | Yes | CMLTI 2026-1-10948 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10948 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. (75103) | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes | CMLTI 2026-1-10948 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10952 | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Per final 1003, borrower is Permanent Resident Alien however Permanent Resident Alien card was not provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10952 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10952 | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | Borrower: XXXX | Verification of citizenship status not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No | CMLTI 2026-1-10952 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10954 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10954 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10954 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | AbilitXX/XX/XXXXpay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA AbilitXX/XX/XXXXpay requirements under 1026.43 based on deal settings. | Re-stated designation |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No | CMLTI 2026-1-10954 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10956 | XXXX | XXXX | XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  | Final Good Faith Estimate is missing in the file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10956 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10956 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX014) | Appraisal delivery receipt is not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10956 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10956 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. | Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10956 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10956 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling Organizations not provided to the borrower. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM | Safe Harbor QM | No | CMLTI 2026-1-10956 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10957 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $575.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes | CMLTI 2026-1-10957 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10959 | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10959 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10959 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $165.00 exceeds tolerance of $115.00 plus 10% or $126.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10959 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10802 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Missing evidence of receipt of the right to receive a copy of the appraisal disclosure and Loan Estimate. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | Good faith redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10802 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10802 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10802 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10802 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10802 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10802 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $3,282.50 may be required. | . |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10802 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10802 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $170.00 exceeds tolerance of $116.00 plus 10% or $127.60. $42.40 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Ten percent fees increased without a valid change in circumstance. A cure was not provided at closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10802 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10802 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $35.00 exceeds tolerance of $20.00. $15.00 over legal limit. Insufficient or no cure was provided to the borrower. (77173) | Title - Courier / Express Mail / Messenger Fee increased on XX/XX/XXXX without a valid change in circumstance. A cure was not provided at closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10802 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10802 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Processing Fee. Fee Amount of $200.00 exceeds tolerance of $150.00. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. (77179) | Title - Processing Fee Amount increased on XX/XX/XXXX without a valid change in circumstance. A cure was not provided at closing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10802 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10802 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $XXXX based on $XXXX(80% of Estimated Cost New); there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | CMLTI 2026-1-10802 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10802 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $170.00 exceeds tolerance of $116.00 plus 10% or $127.60. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | CMLTI 2026-1-10802 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10955 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10955 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10955 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose a reason for not having an escrow account on page 4. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10955 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10955 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $65.00 plus 10% or $71.50. $28.50 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Recording Report Fee was disclosed on initial Loan Estimate as $65.00 but disclosed on final Closing Disclosure as $100.00. File does not contain a valid COC for this fee, nor is evidence of cure provided in the file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10955 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10955 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | Client redesignated to Small Creditor. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10955 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10955 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | Client redesignated to Small Creditor. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10955 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10955 | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard insurance coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXX. Provide a copy of insurer's replacement cost estimate supporting current coverage amount. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10955 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10955 | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing signed 1040s and 1120s for the most recent year (XXXX) for XXXX. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): Per appendix Q testing requires 2 years business and personal tax returns signed and dated.<br>Seller Comment (XX/XX/XXXX): XXXX P&L in file - XXXX tax extension not obtained |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B A | Safe Harbor QM | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10955 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10514 | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal Transfer letter was not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Small Creditor Portfolio Originations Safe Harbor QM | Non QM | No | CMLTI 2026-1-10514 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10514 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Maximum Interest Rate | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Maximum Interest Rate that does not match the actual maximum interest rate for the loan. (FinXX/XX/XXXX) | The Final Closing Disclosure dated XX/XX/XXXX AIR table is missing. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Small Creditor Portfolio Originations Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10514 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10514 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (FinXX/XX/XXXX) | Closing Disclosure issued XX/XX/XXXX page 1 - Loan Terms indicates a maximum principal and interest payment of $1,914.00; however, page 1 - Projected Payments shows a maximum principal and interest payment of $1,304.12 for payment stream one. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Small Creditor Portfolio Originations Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10514 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10514 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. (ProjSeq:2/3187812) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream two that does not match the actual maximum payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Small Creditor Portfolio Originations Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10514 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10514 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. (ProjSeq:3/3187813) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream three that does not match the actual maximum payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Small Creditor Portfolio Originations Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10514 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10514 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. (ProjSeq:4/3187830) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream four that does not match the actual maximum payment for the loan. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Small Creditor Portfolio Originations Safe Harbor QM | Non QM | Yes | CMLTI 2026-1-10514 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10514 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Small Creditor Portfolio Originations Safe Harbor QM | Non QM | No | CMLTI 2026-1-10514 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10514 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Restated to Non QM |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Small Creditor Portfolio Originations Safe Harbor QM | Non QM | No | CMLTI 2026-1-10514 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10514 | XXXX | XXXX | XXXX | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | Borrower: XXXX // Employment Type: Non-Employment Income / Income Type: Child Support / Start Date: // Document: Divorce Decree / Document Date: / Tax Year: | Divorce decree provided doesn't have a document date or a signature date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | Small Creditor Portfolio Originations Safe Harbor QM | Non QM | No | CMLTI 2026-1-10514 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Appraisal report dated XX/XX/XXXX missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B A | N/A | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10064 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/3156524) | Lender used current taxes, however upon construction to permanent was used due to lack of evidence of current millage rate or updated tax estimate in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | N/A | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10064 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/3156525) | Lender used current taxes, however upon construction to permanent was used due to lack of evidence of current millage rate or updated tax estimate in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | N/A | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10064 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/3156526) | Lender used current taxes, however upon construction to permanent was used due to lack of evidence of current millage rate or updated tax estimate in file. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | N/A | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10064 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Closing Disclosure pages 4 indicate no escrows, however page 1 indicates there will be an escrow account but lists all expense as non-escrowed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | N/A | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10064 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX did not disclose a reason for not having an escrow account on page 4. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | N/A | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10064 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Closing Disclosure pages 4 indicate no escrows, however page 1 indicates there will be an escrow account but lists all expense as non-escrowed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | N/A | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10064 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (FinXX/XX/XXXX) | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Product that does not match the actual product for the loan |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | Letter of Explanation, Re-Disclose Correct Information B A | N/A | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10064 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Product Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Evidence of receipt of CD by borrower within three (3) business days prior to consummation not found in file |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | No Defined Cure B A | N/A | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10064 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Post Close Closing Disclosure Timing Irregular Transactions | TILA-RESPA Integrated Disclosure – Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B A | N/A | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10064 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B A | N/A | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10064 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM matches the Due Diligence Loan Designation of Small Creditor Portfolio Originations Safe Harbor QM. | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B A | N/A | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10064 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | QM Small Creditor Portfolio Originations (status lost if transferred within 3 years) | Small Creditor Portfolio Originations (Dodd-Frank 2014): Loan loses Small Creditor QM status if the loan is transferred within three years of consummation. (Consideration based on lender's identification as a small creditor; their status at origination was not confirmed.) | AddedXX/XX/XXXXLender restated as Small Creditor portfolio Safe Harbor QM. |  |  |  | Reviewer Comment (XX/XX/XXXX): Regraded with attestation.<br>Reviewer Comment (XX/XX/XXXX): Regraded due to attestation<br>Reviewer Comment (XX/XX/XXXX): Regraded with attestation provided.<br>Reviewer Comment (XX/XX/XXXX): Exception regraded to EV2-B based on attestation provided. |  |  |  | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B A | N/A | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10064 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $84.00 exceeds tolerance of $81.00. Sufficient or excess cure was provided to the borrower at Closing. (7580) | Tax Service Fee $81.00 was changed on closing disclosure. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (XX/XX/XXXX): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | Final CD evidences Cure B A | N/A | Small Creditor Portfolio Originations Safe Harbor QM | Yes | CMLTI 2026-1-10064 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): per lender, No exception approval in file. Just the underwriter approval which I have provided. XXXXto review.<br>Seller Comment (XX/XX/XXXX): per lender, No exception approval in file. Just the underwriter approval which I have provided. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B A | N/A | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10064 |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Borrower has verified disposable income of at least $XXXX. | Borrower has verified disposable income of at least $XXXX. | SitusAMC | Reviewer Comment (XX/XX/XXXX): Client elects to downgrade and waive.<br>Reviewer Comment (XX/XX/XXXX): per lender, No exception approval in file. Just the underwriter approval which I have provided. XXXXto review.<br>Seller Comment (XX/XX/XXXX): per lender, No exception approval in file. Just the underwriter approval which I have provided. |  |  | XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B A | N/A | Small Creditor Portfolio Originations Safe Harbor QM | No | CMLTI 2026-1-10064 |

---

## Exhibit 99.1

[CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G](cmlti-abs15g.htm)

**Exhibit 99.1 - Schedule 4**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **LMSID** | **Edgar IDs** | **Field** | **SAMC** | **TAPE** | **MATCH** |
| XXXX | CMLTI 2026-1-10000 | FPDATE MOD1 | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10000 | MODIFIED | Yes | NO | FALSE |
| XXXX | CMLTI 2026-1-10000 | MORIGBAL MOD1 | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10001 | FPDATE MOD1 | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10001 | MODIFIED | Yes | NO | FALSE |
| XXXX | CMLTI 2026-1-10001 | MORIGBAL MOD1 | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10007 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10009 | FPDATE MOD1 | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10009 | MODDATE | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10009 | MORIGBAL MOD1 | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10012 | FPDATE MOD1 | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10012 | MODDATE | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10012 | MODIFIED | Yes | NO | FALSE |
| XXXX | CMLTI 2026-1-10012 | MORIGBAL MOD1 | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10014 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10014 | FPDATE MOD1 | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10014 | MODDATE | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10014 | MODIFIED | Yes | NO | FALSE |
| XXXX | CMLTI 2026-1-10014 | MORIGBAL MOD1 | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10015 | FPDATE MOD1 | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10015 | MODDATE | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10015 | MODIFIED | Yes | NO | FALSE |
| XXXX | CMLTI 2026-1-10015 | MORIGBAL MOD1 | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10018 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10024 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10024 | FPDATE MOD1 | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10024 | MODDATE | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10024 | MODIFIED | Yes | NO | FALSE |
| XXXX | CMLTI 2026-1-10024 | MORIGBAL MOD1 | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10025 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10025 | FPDATE MOD1 | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10025 | MODDATE | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10025 | MODIFIED | Yes | NO | FALSE |
| XXXX | CMLTI 2026-1-10025 | MORIGBAL MOD1 | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10031 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10031 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10031 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10031 | LIFEMAXRT | 7.375 |  | FALSE |
| XXXX | CMLTI 2026-1-10031 | LIFEMINRT | 4 |  | FALSE |
| XXXX | CMLTI 2026-1-10031 | MARGIN | 2.25 |  | FALSE |
| XXXX | CMLTI 2026-1-10031 | PERCAP | 2 |  | FALSE |
| XXXX | CMLTI 2026-1-10031 | PERFLOOR | 2 |  | FALSE |
| XXXX | CMLTI 2026-1-10031 | RFREQ | 12 |  | FALSE |
| XXXX | CMLTI 2026-1-10031 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10033 | FPDATE MOD1 | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10033 | MODDATE | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10033 | MODIFIED | Yes | NO | FALSE |
| XXXX | CMLTI 2026-1-10033 | MORIGBAL MOD1 | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10035 | FPDATE MOD1 | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10035 | MODDATE | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10035 | MODIFIED | Yes | NO | FALSE |
| XXXX | CMLTI 2026-1-10035 | MORIGBAL MOD1 | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10042 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10042 | MTDATE | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10044 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10046 | MTDATE | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10054 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10059 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10061 | MTDATE | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10065 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10074 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10079 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10085 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10085 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10085 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10085 | INDEXCD | SOFR 30 Day Average |  | FALSE |
| XXXX | CMLTI 2026-1-10085 | LIFEMAXRT | 7.625 |  | FALSE |
| XXXX | CMLTI 2026-1-10085 | LIFEMINRT | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10085 | MARGIN | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10085 | MODIFIED | No | YES | FALSE |
| XXXX | CMLTI 2026-1-10085 | PERCAP | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10085 | PERFLOOR | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10085 | RFREQ | 6 |  | FALSE |
| XXXX | CMLTI 2026-1-10091 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10094 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10094 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10094 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10094 | LIFEMAXRT | 7.375 |  | FALSE |
| XXXX | CMLTI 2026-1-10094 | LIFEMINRT | 4 |  | FALSE |
| XXXX | CMLTI 2026-1-10094 | MARGIN | 2.25 |  | FALSE |
| XXXX | CMLTI 2026-1-10094 | PERCAP | 2 |  | FALSE |
| XXXX | CMLTI 2026-1-10094 | PERFLOOR | 2 |  | FALSE |
| XXXX | CMLTI 2026-1-10094 | RFREQ | 12 |  | FALSE |
| XXXX | CMLTI 2026-1-10094 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10096 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10096 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10096 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10096 | LIFEMAXRT | 7.375 |  | FALSE |
| XXXX | CMLTI 2026-1-10096 | LIFEMINRT | 4 |  | FALSE |
| XXXX | CMLTI 2026-1-10096 | MARGIN | 2.25 |  | FALSE |
| XXXX | CMLTI 2026-1-10096 | PERCAP | 2 |  | FALSE |
| XXXX | CMLTI 2026-1-10096 | PERFLOOR | 2 |  | FALSE |
| XXXX | CMLTI 2026-1-10096 | RFREQ | 12 |  | FALSE |
| XXXX | CMLTI 2026-1-10096 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10103 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10120 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10125 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10126 | MTDATE | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10131 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10131 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10131 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10131 | INDEXCD | SOFR 30 Day Average |  | FALSE |
| XXXX | CMLTI 2026-1-10131 | LIFEMAXRT | 7.875 |  | FALSE |
| XXXX | CMLTI 2026-1-10131 | LIFEMINRT | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10131 | MARGIN | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10131 | MODIFIED | No | YES | FALSE |
| XXXX | CMLTI 2026-1-10131 | PERCAP | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10131 | PERFLOOR | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10131 | RFREQ | 6 |  | FALSE |
| XXXX | CMLTI 2026-1-10132 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10139 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10151 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10152 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10152 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10152 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10152 | LIFEMAXRT | 7.875 |  | FALSE |
| XXXX | CMLTI 2026-1-10152 | LIFEMINRT | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10152 | MARGIN | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10152 | PERCAP | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10152 | PERFLOOR | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10152 | RFREQ | 6 |  | FALSE |
| XXXX | CMLTI 2026-1-10152 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10157 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10160 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10162 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10167 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10167 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10167 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10167 | LIFEMAXRT | 8.375 |  | FALSE |
| XXXX | CMLTI 2026-1-10167 | LIFEMINRT | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10167 | MARGIN | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10167 | PERCAP | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10167 | PERFLOOR | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10167 | RFREQ | 6 |  | FALSE |
| XXXX | CMLTI 2026-1-10169 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10171 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10171 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10171 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10171 | INDEXCD | SOFR 30 Day Average |  | FALSE |
| XXXX | CMLTI 2026-1-10171 | LIFEMAXRT | 8.375 |  | FALSE |
| XXXX | CMLTI 2026-1-10171 | LIFEMINRT | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10171 | MARGIN | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10171 | MODIFIED | No | YES | FALSE |
| XXXX | CMLTI 2026-1-10171 | PERCAP | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10171 | PERFLOOR | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10171 | RFREQ | 6 |  | FALSE |
| XXXX | CMLTI 2026-1-10175 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10177 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10179 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10193 | MTDATE | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10199 | CITY | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10199 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10199 | ZIP | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10204 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10218 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10220 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10224 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10233 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10234 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10243 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10247 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10247 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10247 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10247 | LIFEMAXRT | 8.75 |  | FALSE |
| XXXX | CMLTI 2026-1-10247 | LIFEMINRT | 4 |  | FALSE |
| XXXX | CMLTI 2026-1-10247 | MARGIN | 2.75 |  | FALSE |
| XXXX | CMLTI 2026-1-10247 | PERCAP | 2 |  | FALSE |
| XXXX | CMLTI 2026-1-10247 | PERFLOOR | 2 |  | FALSE |
| XXXX | CMLTI 2026-1-10247 | RFREQ | 12 |  | FALSE |
| XXXX | CMLTI 2026-1-10254 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10258 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10259 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10261 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10268 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10273 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10274 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10279 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10282 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10283 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10283 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10283 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10283 | INDEXCD | SOFR 30 Day Average |  | FALSE |
| XXXX | CMLTI 2026-1-10283 | LIFEMAXRT | 8.25 |  | FALSE |
| XXXX | CMLTI 2026-1-10283 | LIFEMINRT | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10283 | MARGIN | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10283 | MODIFIED | No | YES | FALSE |
| XXXX | CMLTI 2026-1-10283 | PERCAP | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10283 | PERFLOOR | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10283 | RFREQ | 6 |  | FALSE |
| XXXX | CMLTI 2026-1-10291 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10293 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10295 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10311 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10316 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10327 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10332 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10332 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10332 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10332 | LIFEMAXRT | 9 |  | FALSE |
| XXXX | CMLTI 2026-1-10332 | LIFEMINRT | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10332 | MARGIN | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10332 | PERCAP | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10332 | PERFLOOR | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10332 | RFREQ | 6 |  | FALSE |
| XXXX | CMLTI 2026-1-10338 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10339 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10353 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10353 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10353 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10353 | LIFEMAXRT | 8.125 |  | FALSE |
| XXXX | CMLTI 2026-1-10353 | LIFEMINRT | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10353 | MARGIN | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10353 | PERCAP | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10353 | PERFLOOR | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10353 | RFREQ | 6 |  | FALSE |
| XXXX | CMLTI 2026-1-10363 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10363 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10363 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10363 | LIFEMAXRT | 9.25 |  | FALSE |
| XXXX | CMLTI 2026-1-10363 | LIFEMINRT | 4 |  | FALSE |
| XXXX | CMLTI 2026-1-10363 | MARGIN | 2.25 |  | FALSE |
| XXXX | CMLTI 2026-1-10363 | PERCAP | 2 |  | FALSE |
| XXXX | CMLTI 2026-1-10363 | PERFLOOR | 2 |  | FALSE |
| XXXX | CMLTI 2026-1-10363 | RFREQ | 12 |  | FALSE |
| XXXX | CMLTI 2026-1-10376 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10377 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10382 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10383 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10385 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10385 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10385 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10385 | LIFEMAXRT | 8.625 |  | FALSE |
| XXXX | CMLTI 2026-1-10385 | LIFEMINRT | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10385 | MARGIN | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10385 | PERCAP | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10385 | PERFLOOR | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10385 | RFREQ | 6 |  | FALSE |
| XXXX | CMLTI 2026-1-10387 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10388 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10392 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10393 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10405 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10408 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10409 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10414 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10431 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10431 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10431 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10431 | LIFEMAXRT | 7.75 |  | FALSE |
| XXXX | CMLTI 2026-1-10431 | LIFEMINRT | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10431 | MARGIN | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10431 | PERCAP | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10431 | PERFLOOR | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10431 | RFREQ | 6 |  | FALSE |
| XXXX | CMLTI 2026-1-10435 | PROPTYPE | Mixed Use | SINGFAM | FALSE |
| XXXX | CMLTI 2026-1-10443 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10453 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10456 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10458 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10458 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10458 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10458 | LIFEMAXRT | 8.125 |  | FALSE |
| XXXX | CMLTI 2026-1-10458 | LIFEMINRT | 2.5 |  | FALSE |
| XXXX | CMLTI 2026-1-10458 | MARGIN | 2.5 |  | FALSE |
| XXXX | CMLTI 2026-1-10458 | PERCAP | 2 |  | FALSE |
| XXXX | CMLTI 2026-1-10458 | PERFLOOR | 2 |  | FALSE |
| XXXX | CMLTI 2026-1-10458 | RFREQ | 6 |  | FALSE |
| XXXX | CMLTI 2026-1-10472 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10473 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10476 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10484 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10485 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10492 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10500 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10504 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10507 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10509 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10513 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10522 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10523 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10525 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10527 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10536 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10536 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10536 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10536 | LIFEMAXRT | 8.5 |  | FALSE |
| XXXX | CMLTI 2026-1-10536 | LIFEMINRT | 4 |  | FALSE |
| XXXX | CMLTI 2026-1-10536 | MARGIN | 2.75 |  | FALSE |
| XXXX | CMLTI 2026-1-10536 | PERCAP | 2 |  | FALSE |
| XXXX | CMLTI 2026-1-10536 | PERFLOOR | 2 |  | FALSE |
| XXXX | CMLTI 2026-1-10536 | RFREQ | 12 |  | FALSE |
| XXXX | CMLTI 2026-1-10536 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10538 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10550 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10559 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10561 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10563 | CITY | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10566 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10573 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10577 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10587 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10590 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10591 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10608 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10622 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10630 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10631 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10633 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10637 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10638 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10655 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10658 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10665 | BALLOON | Y | Y - UNDOCUMENTED | FALSE |
| XXXX | CMLTI 2026-1-10665 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10668 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10672 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10681 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10683 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10696 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10703 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10706 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10712 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10713 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10715 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10720 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10724 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10727 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10730 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10731 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10732 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10739 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10741 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10753 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10754 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10758 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10760 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10775 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10775 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10775 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10775 | LIFEMAXRT | 9.25 |  | FALSE |
| XXXX | CMLTI 2026-1-10775 | LIFEMINRT | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10775 | MARGIN | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10775 | PERCAP | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10775 | PERFLOOR | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10775 | RFREQ | 6 |  | FALSE |
| XXXX | CMLTI 2026-1-10775 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10776 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10777 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10783 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10787 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10790 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10795 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10800 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10805 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10806 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10811 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10812 | MTDATE | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | CMLTI 2026-1-10813 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10821 | ARMORFIX | ARM | FIXED | FALSE |
| XXXX | CMLTI 2026-1-10821 | FPADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10821 | FRADATE | XX/XX/XXXX |  | FALSE |
| XXXX | CMLTI 2026-1-10821 | LIFEMAXRT | 8.75 |  | FALSE |
| XXXX | CMLTI 2026-1-10821 | LIFEMINRT | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10821 | MARGIN | 3 |  | FALSE |
| XXXX | CMLTI 2026-1-10821 | PERCAP | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10821 | PERFLOOR | 1 |  | FALSE |
| XXXX | CMLTI 2026-1-10821 | RFREQ | 6 |  | FALSE |
| XXXX | CMLTI 2026-1-10821 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10822 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10828 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10829 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10830 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10833 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10838 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10844 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10845 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10862 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10865 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10872 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10878 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10880 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10881 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10882 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10883 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10896 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10902 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10905 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10907 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10916 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10917 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10918 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10928 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10933 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10934 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10936 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10938 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10944 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10949 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10951 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10952 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10956 | STADDRESS | XXXX | XXXX | FALSE |
| XXXX | CMLTI 2026-1-10958 | STADDRESS | XXXX | XXXX | FALSE |

---

---

| |
|:---|
| **STADDRESS** |
| **CITY** |
| **STATE** |
| **ZIP** |
| **LNAME** |
| **LOANPURP** |
| **SALESPRICE** |
| **APPVAL** |
| **PROPTYPE** |
| **ORIGDATE** |
| **ORIGBAL** |
| **FPDATE** |
| **ORIGRATE** |
| **ORIGPANDI** |
| **MODIFIED** |
| **PRAREMAINING** |
| **MODDATE** |
| **MORIGBAL MOD1** |
| **DEFPRINBAL** |
| **FPDATE MOD1** |
| **MTDATE** |
| **ARMORFIX** |
| **INDEXCD** |
| **MARGIN** |
| **RFREQ** |
| **FPADATE** |
| **FRADATE** |
| **PERCAP** |
| **PERFLOOR** |
| **LIFEMAXRT** |
| **LIFEMINRT** |
| **BALLOON** |
| **IOFLAG** |
| **IOEXPDATE** |
| **STEP1RATE** |
| **STEP1RATEDATE** |
| **STEP2RATE** |
| **STEP2RATEDATE** |
| **STEP3RATE** |
| **STEP3RATEDATE** |
| **STEP4RATE** |
| **STEP4RATEDATE** |
| **INTTYPE** |

---

## Exhibit 99.1

[CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G](cmlti-abs15g.htm)

**Exhibit 99.1 - Schedule 5**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOANUID** | **LOANID** | **Edgar ID** | **LOANID2** | **SLOANID** | **First Payment Date** | **Data Cutoff Date** | **Pay History Scope** | **Pay History Summary (MBA)** | **Months of Data Missing During Lookback** | **Delinquency During Lookback** |
| XXXX | XXXX | CMLTI 2026-1-10000 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000XXXX | 4 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10001 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000XXXX | 4 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10002 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10003 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10004 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10005 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10006 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10008 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000NNNN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10009 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000XXXX | 4 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10010 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10011 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10012 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000XXXX | 4 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10013 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10014 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000XXXX | 4 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10015 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000XXXX | 4 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10016 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10017 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10018 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000XXXX | 4 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10019 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10020 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10023 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10024 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000XXXX | 4 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10027 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10029 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10030 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10032 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10033 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000XXXX | 4 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10036 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10038 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10039 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10041 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10042 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000XXXX | 4 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10045 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10046 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10047 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 0000000000000000000000000000000000NN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10048 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10049 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10050 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10051 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10054 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000000X | 1 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10056 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10058 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10059 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10060 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10062 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10063 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10064 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10065 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10066 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10067 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10068 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10069 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10070 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10071 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10072 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10073 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10074 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10075 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000NNN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10076 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10077 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10078 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10079 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000XXXX | 4 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10082 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10083 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10084 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10085 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10086 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10088 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10090 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10091 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10092 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10093 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10094 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000NNNN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10095 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10096 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000NNNN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10097 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10099 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10100 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10101 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10103 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10104 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10105 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10106 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10107 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10108 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10110 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10112 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10113 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10114 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10115 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10116 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10117 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10118 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10119 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10121 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10122 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10123 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10124 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10125 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10126 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000XXXX | 4 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10127 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10128 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10129 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10130 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10131 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10134 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10135 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10136 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000XXX | 3 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10137 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10138 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10139 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10140 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10141 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10142 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 0000000000000000000000000000000000NN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10143 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10144 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10145 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10146 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10147 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10148 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10149 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10150 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10151 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10152 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000XXX | 3 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10153 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10154 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10155 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10157 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10158 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10159 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10161 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10163 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10165 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10166 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10167 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000NNN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10169 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10170 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10171 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10172 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10173 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10174 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10175 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10177 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10180 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10181 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10182 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10184 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10185 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10186 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10187 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10188 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10192 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10193 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000XXXX | 4 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10194 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10195 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10196 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10197 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10198 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10199 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000000N | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10200 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10202 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10203 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10204 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000NNNNNN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10206 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10207 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10208 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10211 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10212 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10213 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10214 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000NNNN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10215 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10216 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10217 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10218 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000000X | 1 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10219 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10222 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10223 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10224 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10225 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10226 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10227 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10228 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10229 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10230 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000XXXX | 4 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10231 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10232 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10233 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10234 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 0000000000000000000000000000000000NN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10235 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10236 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10237 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10238 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10239 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10240 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10242 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10243 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10244 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10245 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10247 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000NNN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10248 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10249 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10250 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10251 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10252 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10254 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10255 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10256 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10257 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10258 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10259 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10260 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10261 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10262 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10263 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10264 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 0000000000000000000000000000000000NN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10265 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10266 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10267 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10269 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10270 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10271 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10272 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10273 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10274 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10275 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10276 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10277 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10278 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10279 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10282 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10283 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10284 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10285 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10286 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10287 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10288 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10289 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10291 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10292 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10294 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10295 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10297 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10298 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10299 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10300 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10301 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10302 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10303 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10305 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10306 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10307 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10309 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10310 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10312 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10313 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10314 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10315 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10316 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10317 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10318 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10319 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10320 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10321 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10322 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000000N | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10323 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10324 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10325 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10326 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10328 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10329 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10330 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10331 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10332 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000NNN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10334 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10335 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10336 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10337 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10338 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10340 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10341 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10342 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10343 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10344 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10345 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10346 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10347 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10348 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10349 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10350 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10351 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10352 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10353 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 0000000000000000000000000000000000NN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10354 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10355 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10356 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10357 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10358 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000000N | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10359 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10360 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10361 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10362 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10364 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10365 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10366 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10367 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10368 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10369 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10370 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10371 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10372 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10373 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10374 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10375 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000XXXX | 4 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10376 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10378 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10379 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10380 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10381 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10382 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10383 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10384 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10385 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000NNNN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10386 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10387 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10388 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10389 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10390 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10391 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10393 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10394 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10395 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10396 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10398 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10399 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10400 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10401 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10402 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10403 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10404 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10406 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10407 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10408 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10409 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10410 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10411 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10412 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10413 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10414 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10415 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10416 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10417 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10418 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10419 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10420 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10421 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10423 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10424 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10425 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10426 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10427 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10428 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10429 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10430 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000XXXX | 4 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10431 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 0000000000000000000000000000000000NN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10432 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10433 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000000X | 1 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10434 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10435 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10437 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10439 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10440 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10441 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10442 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10443 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10444 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10445 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000XXXX | 4 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10446 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10447 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10448 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10449 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10451 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10452 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10453 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10454 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10456 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10457 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10458 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 0000000000000000000000000000000000NN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10459 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10460 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10463 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10464 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10465 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10466 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10467 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10468 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10469 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10470 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10471 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10472 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10473 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10474 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000000N | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10475 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10476 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10477 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10478 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10479 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10481 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10482 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10483 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10484 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10485 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10486 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10487 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10488 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000000N | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10489 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10490 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10491 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10492 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10493 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10494 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10495 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000XXXX | 4 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10496 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10497 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10498 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10499 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10501 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10502 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10503 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10505 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10506 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10507 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10508 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10509 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10510 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10511 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10512 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10513 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10514 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10515 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10516 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10517 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10518 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10519 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10520 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 0000000000000000000000000000000000NN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10521 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10522 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10523 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10524 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10525 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10527 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000001110 | 0 | 3 |
| XXXX | XXXX | CMLTI 2026-1-10528 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10529 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10530 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10531 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10532 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10533 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10534 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10535 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10537 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10538 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10539 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10540 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10541 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10542 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10543 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10544 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10545 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10546 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10548 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10549 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10550 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10551 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10552 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10553 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10554 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10555 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10556 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10558 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10559 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10560 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10561 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10562 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10564 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10565 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10566 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10567 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10568 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10569 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10570 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10571 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10572 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10573 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10574 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10575 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10576 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10577 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10578 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10579 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10580 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10581 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10582 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10583 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10584 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10585 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10586 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10587 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10589 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10590 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10591 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10592 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10593 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10594 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10595 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10596 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10597 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10598 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10599 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10600 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10601 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10602 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10603 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10605 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10606 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10607 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10608 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10609 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10610 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10611 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10612 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10613 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10614 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10615 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10616 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10617 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10618 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10619 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10620 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10621 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10622 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10623 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10624 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10626 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10627 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10628 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10629 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10631 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10632 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10634 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10635 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10636 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10637 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10638 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10640 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10641 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10642 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10643 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10644 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10645 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10646 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10647 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10648 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10649 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10650 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10651 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10652 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10653 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10655 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10656 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10657 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10658 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10659 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10660 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10661 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10662 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10663 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10664 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10666 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10667 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10668 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10669 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10671 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10672 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10673 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10674 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10675 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10676 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10677 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10678 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10680 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10681 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10682 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10683 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10684 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10685 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10686 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10687 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10689 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10690 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10691 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10693 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10695 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10696 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10698 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10699 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10700 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10701 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10702 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10703 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10704 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10705 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10706 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10707 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10708 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10709 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10710 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10711 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10712 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10713 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10714 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10715 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10716 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10717 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10718 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10719 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10720 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10721 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10722 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10723 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10724 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10725 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10726 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10727 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10728 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10729 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10730 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10731 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10732 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10733 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10734 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000000X | 1 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10735 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10736 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10737 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10739 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10740 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10741 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10742 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10743 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10744 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10745 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10746 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10748 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10749 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10750 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10751 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10752 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10753 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10754 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10756 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10757 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10758 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10759 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10760 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10761 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10762 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10763 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10764 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10765 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10767 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10768 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10769 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10770 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10771 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10772 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10773 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10774 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10775 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000NNNN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10776 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10777 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10778 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10779 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10780 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10781 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10782 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10784 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10785 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10786 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10787 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10788 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10789 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10790 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10791 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10792 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000001000 | 0 | 1 |
| XXXX | XXXX | CMLTI 2026-1-10793 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10794 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10795 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10796 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000100 | 0 | 1 |
| XXXX | XXXX | CMLTI 2026-1-10797 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10798 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10799 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10800 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10801 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10802 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10803 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10804 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10805 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10806 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10807 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10808 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10809 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10810 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10811 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10812 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10813 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10814 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10815 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10816 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10817 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10818 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10819 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10821 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000NNNN | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10822 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10823 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10824 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10825 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10826 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10827 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10828 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10829 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10830 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10831 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10832 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10833 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10834 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10835 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10836 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10837 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000000X | 1 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10838 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10839 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10840 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10841 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10842 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10843 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10844 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10845 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10846 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10847 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10848 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10849 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10850 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10851 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10852 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10854 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10855 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10856 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10857 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10858 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10859 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10860 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10861 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10862 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10864 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10865 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10866 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10867 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10868 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10870 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10871 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10872 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10873 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10874 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10875 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10877 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10879 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10880 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10881 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10882 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10883 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10884 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000000X | 1 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10886 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10887 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10888 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10889 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10890 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10891 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10892 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10893 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10894 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10895 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10896 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10897 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10898 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10899 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10900 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10901 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10902 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10903 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10904 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10905 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10906 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10907 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10908 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10909 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10910 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 00000000000000000000000000000000000X | 1 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10911 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10912 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10913 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10914 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10915 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10916 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10917 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10918 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10919 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10920 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10921 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10922 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10923 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10924 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10925 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10926 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10927 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10928 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10929 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10930 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10931 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10932 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10933 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10934 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10935 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10936 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10937 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10938 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10940 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10941 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10943 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10944 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10946 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10947 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10948 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10949 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10950 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10951 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10952 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10953 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10954 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10955 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10956 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10957 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10958 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| XXXX | XXXX | CMLTI 2026-1-10959 |  | XXXX | XX/XX/XXXX | 02/28/2026 | 36 | 000000000000000000000000000000000000 | 0 | 0 |

---

## Exhibit 99.1

[CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G](cmlti-abs15g.htm)

**Exhibit 99.1 - Schedule 6(a)**

![](situsamc-logo.jpg)

**Servicing Upload -**

**Run Date - 6/2/2026 4:02:08 PM** 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Seller Loan ID** | **Edgar ID** | **Final Current Event Level** | **Current Exceptions** | **Collection comments** |
| XXXX | XXXX | CMLTI 2026-1-10000 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower wanted to confirm an ACH would be canceled before the scheduled payment for XX/XX/XXXX. The servicer confirmed ACH had enough time to be cancelled and the drafted payment for XX/XX/XXXX would not be sent until XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10001 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10002 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower and inquired about the $X.XX escrow balance, explained it is sufficient for the flood premium and the amount they saw reflects monthly escrow contributions. Borrower questioned whether XXXX flood insurance was paid, so call was transferred to Insurance Dept. Later, Borrower asked about flood coverage. advised no flood payment showing for XX/XXXX, though policy shows active. Confirmed mortgage clause with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10003 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10004 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding standard construction loan was supposed to convert to P&I effective XX/XX/XXXX. The customer should have been due as of XX/XX/XXXX. However, the customer is unable to make payments and has been receiving calls from the Collections Department because the loan is showing past due as of XX/XX/XXXX. Upon review, as per review that a work order has been opened, and funds have now been applied correctly from suspense to bring the account current. The estimated completion date is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10005 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to inquire about hazard insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10006 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10008 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10009 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10010 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10011 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to inquire on recast topic and agent advised to send in written request with wet signature.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10012 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10013 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding account and, as per the comments, agent answered general questions related to auto draft and provided details accordingly. Agent confirmed XXX web access and completed activation of e-statements. Agent advised and confirmed that the XXX web mobile app one-time draft payment was successfully initiated. XXX OTD was initiated with an effective date of XX/XX/XXXX for an amount of $X.XX, and the confirmation number provided was XXX. Agent confirmed that the payment was made online and addressed all borrower inquiries during the call.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10014 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and needs to make sure XXX was paid.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10015 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10016 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10017 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called the authorized third party and advised needed inspection. Advised of processing time.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10018 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired on changing the mailing address.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10019 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in for Non monitored claim and reported damages due to XXX occurred on XX/XX/XXXX servicer advised on how to send the claim check to endorse (aged claim/resolved damage).<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10020 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10023 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10024 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10027 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in to discuss about shortage on the loan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10029 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10030 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to request to change mailing address and agent advised to send in written request to update mailing address.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10032 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Borrower inquire regarding hazrad payment transferred to Insurance Dept. Customer inquired about payment made on XX/XX/XXXX. Premium payment inquiry for $X.XX. Verified by C/S. Verified mortgage clause. Payment made on XX/XX/XXXX and returned on XX/XX/XXXX. Borrower advised he also paid directly. Advised we paid XXX on XX/XX/XXXX and policy cancelled on XX/XX/XXXX. Advised refund can be sent back if not already used/applied. Borrower requested escrow analysis due to insurance change. Confirmed buckets updated, payment change >$X.XX, and no stop on account. Yearly analysis more than XX months out.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10033 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired on insurance policy.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10036 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account and about the insurance policy details.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10038 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10039 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account and about the loss draft check details.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10041 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10042 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10045 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10046 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired on late charges for the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10047 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the online access needed assistance with to make a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10048 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10049 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and inquired on hazard transferred to insurance department account and wanted to inquire on insurance policy payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10050 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10051 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding to fax letter found in document hub loan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10054 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired about payment amount and due date. Agent advised account due for XX/XX/XXXX and XXX bill mailed out on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10056 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to discuss about payment of $X.XX and advised allowing 1-2 business days for payment to clear bank payment effective XX/XX/XXXX bad check fee inquired on last payment received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10058 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the call was transferred by customer service web support Team, where Branch Representative from XXX inquired about how to receive a statement online, additional details noted included.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10059 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10060 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding a escrow analysis and escrow shortage payment needing to be adjusted for higher taxes being paid.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10062 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired on online access to make payments. Servicer advised about website and application to the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10063 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired on hazard insurance and agent transfer the call to insurance department. Borrower inquired on proof of insurance letter received and agent provided the information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10064 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10065 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10066 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the inquired about a hazard transfer and was transferred to the Insurance Department, the caller was fully verified, provided the phone number XXX-XXXX, and was transferred to extension XXX, where they were advised that the representative was not insurance trained. The inquiry pertains to proof of insurance being. an verify whether the documents sent were received, the caller was verified and wanted confirmation of receipt. They were advised that the documents were received and that a notice will be sent via mail, with no further action needed at this time and informed that an update with the carrier/agent is still required.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10067 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account and to make the paymnet.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10068 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10069 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10070 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10071 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10072 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding a call or voicemail received and requested the loan number. The agent advised borrower to provide the loan number.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10073 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in wanted to know loan number to register account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10074 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired on special loan issue. wanted to add the family member on deed. Servicer advised borrower to send the signed written request to customer service department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10075 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent talk with borrower inquired on changing banking information for their autopay and agent advise that they can send in a written request with the wet sign and new voided check or they can go online. Agent advise it can take one billing cycle.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10076 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in general question regarding the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10077 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding why their payment increased. The agent advised that the increase was due to higher taxes and homeowner's insurance, as well as a shortage in the escrow account. The agent explained that the borrower can pay the escrow shortage of $X.XX in full before the effective date or have it spread over XX months, and even if the shortage is paid in full, the payment will still be higher than before due to the increased taxes and homeowner's insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10078 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in and wanted to know payment amount and due date in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10079 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10082 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10083 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and inquired why payment went up. Advised due to taxes and insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10084 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10085 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10086 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10088 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10090 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer talked with borrower and guided through website to update password and gain online access.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10091 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10092 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10093 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10094 | 1 | [1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in as wanted to know when will be getting a refund for taxes paid. Advised to borrower to send the proof of payment with loan number and can check every 2 weeks for status of refund.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Fee Dispute. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. Comments on XX/XX/XXXX indicated borrower disputing for tax penalty, which was resolved on XX/XX/XXXX as penalty which was charged to borrower was voided.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10095 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called requesting transfer to a supervisor, stating they have been trying to resolve an escrow account issue for months and need someone higher than the frontline representatives. Borrower was fully verified and advised of transfer to Escalation.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10096 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding auto pay. The account was hacked and has since been closed. The customer went into the branch to obtain a form and asked if they could provide the last four digits of the account (XXX). B1 advised the customer to provide the full account number. Account ending in XXX is not on file. Customer advised that account ending in XXX is on file. B1 confirmed the customer can go online to update the account information. Payment for XX/XX/XXXX was received on XX/XX/XXXX. No returned payments at this time. Customer advised they can wait to ensure the payment does not return.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10097 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in inquired about waiver of late charge. One-time courtesy waiver approved. Fee waived. QL09 letter sent; advised 7–10 business days for receipt.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10099 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10100 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding property tax refund for prior year. Servicer advised refund was credited to escrow account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10101 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10103 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10104 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding a payment that was misapplied on XX/XX/XXXX. The agent advised that the payment was confirmed as misapplied, a task was opened for correction with a turnaround time of 5 business days, and the borrower requested to have the $X.XX payment from XX/XX/XXXX applied to the principal.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10105 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make XXX payment and stated they did not get the statement.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10106 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding the status of the disbursement. The agent advised that all documents have been received, the inspection is complete, and the branch may send the disbursement request as needed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10107 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10108 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired about the premium payment for insurance, advised paid of XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10110 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10112 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10113 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10114 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10115 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent talked to borrower and wanted to know if the payment received. Agent advise payment is not received and borrower would like to know why payment was sent back. Agent advise no response on what happen but borrower needs to re-issue another payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10116 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding Lender-Placed Insurance (LPI) as unable to find an insurance company to provide coverage. Borrower was inquiring about LPI as a potential option. Agent explained how LPI works and advised that it can be significantly more expensive. Borrower stated will continue shopping for voluntary insurance and will consider LPI only as a last resort.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10117 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10118 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10119 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10121 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10122 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer inquired about online registration. advised to visit website portal and click register OR receive registration instructions via email. verification completed and loan number provided.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10123 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10124 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding letter which received and wanted to know if XX-year fix rate will stay the same and advised will be changes the index of rate.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10125 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10126 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX<br>[1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding account and, as per the comments, inquired about waiving a late charge. Agent advised that the late charge could be waived as a one-time courtesy, waived the fee, and sent the QL090 letter which will be mailed and received within 7–10 business days. Agent also advised the late charge balance status and discussed available payment options.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Fee Dispute. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. As per the comments, the borrower disputed a late charge after the XX/XX/XXXX payment was returned due to an incorrect bank account number, which led to delinquency and a late fee. The servicer reviewed the issue, waived the $X.XX late charge as a one-time courtesy, and issued the QL090 letter confirming the waiver. The late fee dispute is resolved, with no evidence of additional fees remaining under dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10127 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10128 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorised third party called in to inquired about escrow analyses Servier advised sending the request with property address.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10129 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, We have reviewed the interest calculations for Advance Interest pertaining to FY XXXX and FY XXXX. Kindly confirm the basis and methodology used for computing the interest amounts for both years, including the applicable rates, calculation period, and any adjustments considered.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10130 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding the letter inquiring proof of insurance received from servicer and agent advised to disregard the letter.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10131 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and requested that the original closing documents uploaded on XX/XX/XXXX, be mailed to the mailing address on file. Agent confirmed the documents are available in the Document Hub and opened a Fax task for mailing. The borrower was advised that delivery may take approximately 7–10 business days.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is other natural causes. On XX/XX/XXXX, the borrower reported property damage, and the borrower advised possession of an insurance check in the amount of $X.XX for XXX damage dated XX/XX/XXXX. The borrower was advised of the non-monitored claim process, instructed to include the loan number, submit the insurance adjuster report. The borrower declined emailed procedures. On the same date, verbal third-party inquiry was received from the spouse of borrower regarding where to send the insurance claim check for endorsement; the call was cold-transferred to the Loss Draft department due to extended hold time. On XX/XX/XXXX, a loss draft check for $X.XX was received pending processing, forwarded for internal endorsement, endorsed, and returned, with documents scanned. On XX/XX/XXXX, an additional loss draft check for $X.XX was received pending processing, forwarded for internal endorsement, endorsed, and returned; total loss proceeds noted as $X.XX. On the same date, a partial insurance adjuster report were received; however, the adjuster report was marked incomplete due to missing page XX, with total received noted as $X.XX. On XX/XX/XXXX, the Loss Draft responded via email requesting the missing page XX of the adjuster's report, followed by a documented follow-up on XX/XX/XXXX confirming the document remained outstanding. On XX/XX/XXXX, a loss draft worksheet was created for XXX check no. XXX in the amount of $X.XX, received pending processing, with documents scanned and QM123 generated due to missing endorsements from both borrowers. On XX/XX/XXXX, the check was sent back to the home office for the missing endorsement. On XX/XX/XXXX, a follow-up was completed indicating the endorsed check had not yet been returned and remained pending. No evidence of repair started or 100% repair inspection done. Per servicer, no inspection was done as they received XX checks in the amount of $X.XX and $X.XX which were both endorsed and released. Check from XX/XX/XXXX in the amount of $X.XX was mailed back for missing endorsements however check has not been returned yet. Property repair is in process. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10134 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10135 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding about the web support related and inquired on how to correct reset the password and login details on the online website.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10136 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10137 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10138 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10139 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10140 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10141 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10142 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent talk with borrower regarding hazard and transfer call to insurance department. Borrower stated they received letter regarding proof of insurance and they have insurance and agent advise every year they need a copy of XXX page sent in.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10143 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10144 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10145 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10146 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10147 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10148 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and inquired stated requested dup statement to be mailed and advised it is available on the website, advised it will be mailed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10149 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10150 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10151 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10152 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10153 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding how to make a payment toward the escrow account through the online platform. The agent advised them that they can request a new analysis once they put the refund back into the escrow account. The agent also advised them that two tax payments are still scheduled to be paid from the escrow account for the year, and advised them that they will receive the option to pay the shortage in full.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10154 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10155 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent talk to borrower inquired on hazard and transfer the call to insurance department. Borrower inquired about force place insurance and borrower forwarded insurance documents.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10157 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and completed PBP AMOUNT OF $X.XX+$X.XX and advised to allow 1-2 business days for payment to clear bank payment is effective XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10158 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer talked with borrower and advised about the payment towards taxes and also informed about general information on the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10159 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding difficulty accessing and viewing the XXXX form 1098 through their online account. The agent advised them of the detailed online instructions to locate and view the form successfully.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10161 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10163 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10165 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired about the denial letter of assumption. Servicer advised it's on their closing disclosure loan is not assumable. Servicer also requested the copy of closing disclosure.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10166 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10167 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding a buydown. Advised that the loan does not reflect a buydown as it is applied at closing. The representative later confirmed that the borrower is requesting a loan recast. Transferred the call to the Special Loans Department for recast inquiry. Advised that the minimum amount accepted for a recast is $X.XX and that a signed written request is required.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10169 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10170 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and stated received a letter servicer advised insurance has expired need to update renewal borrower email the renewal page to update the insurance information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10171 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and inquired about escrow shortage. Agent advised of escrow balance since XX/XXXX hence disbursement not made form escrow. Agent advised new payment to amount due once shortage is paid.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10172 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10173 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and inquired on year-end statement information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10174 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX,Borrower called and requested I hold while he attempted to log in online, advised I was not yet able to confirm access. Borrower asked where to locate information on receiving paper statements; advised he would need to contact Web Support and that these preferences must be updated online. Began advising Borrower of payment information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10175 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to inquire about online access, and the servicer provided the website address.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10177 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10180 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower regarding the payment, borrower made the online payment and borrower requested to have fees waived.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10181 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10182 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10184 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer contacted to borrower regarding the survey call was placed to the borrower regarding a low survey score. The person answered the call, greeted appropriately, and household verification was completed. The envelope was verified and confirmed to match the official letterhead. A survey response letter was discussed and acknowledged during the call.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10185 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding an inquiry about the hazard insurance being transferred to the insurance department and had questions about the lender-placed insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10186 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10187 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquire on refund from insurance servicer advised no refund received in escrow account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10188 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10192 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and completed PBP amount $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10193 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding an inquiry on how to send in proof of taxes being paid in advance. Agent advised them to send the documentation by fax or add it to a letter and send it to customer service at XXX, referencing the loan number and addressing it to the Tax Department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10194 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10195 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10196 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10197 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding the payment amount and making weekly payments. The agent advised them that weekly payments are not allowed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10198 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to know if payment was received agent advise allowing 2 business days. Borrower also inquired about online access.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10199 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding to inquired about making home a tryst and agent advise they will transfer call to special loan department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10200 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired on insurance policy payment and servicer transferred the call to insurance department and states payment for policy has not been paid.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10202 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10203 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in advised that payment was misapplied on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10204 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to add the taxes to escrow. Borrower stated the tax information is incorrect and Servicer advised they could send in the correct tax bill and ask the department to be revaluated. Also answer the general questions on assist line Borrower inquired about the escrow. Servicer advised borrower has to pay the deposit and wanted to start the escrow until XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10206 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10207 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10208 | 1 | [1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and stated payments are not reported to XXX servicer advised to send written request.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. As per comment dated XX/XX/XXXX borrower credit dispute was resolved by servicer.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10211 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10212 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10213 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10214 | 1 | [1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding waiver of late fee. Servicer agreed to waive fee as one time courtesy.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Payment Dispute. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. As per comment dated XX/XX/XXXX payment dispute identified. Borrower stated payment in the amount of $X.XX was made on XX/XX/XXXX. The dispute was resolved by the servicer. There was no further mention about the dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10215 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was fully verified and reported recent job loss, resulting in delinquency. Borrower requested information on forbearance, stating they may only be able to pay about XX% of the mortgage and might need to borrow funds until they receives unemployment benefits, expected next week. Explained the forbearance process and next steps, Borrower will call back to decide whether to proceed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10216 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10217 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10218 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent talk with borrower about they filled out autopay form and if the autopay would draft on XX/XX/XXXX. Agent advise 30 days turnaround time and they could sign up for the autopay on line and borrower refused.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10219 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquiry regarding the insurance transfer has been fully verified, and the funds have been successfully transferred to the Insurance Department account. Borrower requested full transfer verification to XXX; the letter has been received, and there is no history of insurance on file.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10222 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10223 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquire about escrow shortage and increase payment. Advised to borrower about escrow analysis and how that affect the payment amount.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10224 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired about insurance information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10225 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10226 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding how to register online, advised go to XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10227 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent called borrower to obtain the insurance renewal, documentation shows the policy was already updated and payment was requested per previous notes, so no further action required.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10228 | 2 | [2] Damaged Interior - Active insurance claim but unclear who holds funds or covered by bid | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check endorsement of claim check. Agent transferred the call to loss draft department and provided the contact number.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Comments on XX/XX/XXXX indicated borrower called in to inquired about a loss draft issue and check endorsement requirements. Notification of property damaged received, claim classified as non-monitored for XXX loss on XX/XXXX. No evidence of repair started or 100% repair inspection done. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10229 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquire on late notice and servicer advised payment not received until XX/XX but once it went through effective for XX/XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10230 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer talked with borrower and confirmed the shortage paid. Task was opened to have cleared and advised of new payment without shortage.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10231 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the mortgage clause letter received in mail. Servicer sent the corrected loan number with mortgage clause to the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10232 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10233 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10234 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and requesting to waive taxes and insurance from escrow, opened a waive escrow task and as per borrower please review in entire escrow both taxes and insurance can be removed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10235 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10236 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10237 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10238 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding questions about the recast of their loan and stated will transfer their principal payment on XX/XX/XXXX. The agent advised them that the letter states the wire transfer can be completed on or before XX/XX/XXXX, and that the wire transfer will credit the same day if it arrives before XXX while any wire received after XXX will credit on the next business day. The agent further advised them to pay their principal payment plus the $X.XX non-refundable fee, and that the recast payment will go into effect on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10239 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10240 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10242 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called to inquire about PMI removal. The customer was advised that a request has been submitted to review eligibility.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10243 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquiry about city name being incorrect and corrected to XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10244 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called for assistance with online access; advised on how to complete registration, confirmed registration was successfully completed with full account access verified, and provided steps to enroll in autopay through the web account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10245 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10247 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10248 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and went over missing document letter. Advised to borrower missing document requirement for loss mitigation.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10249 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10250 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10251 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10252 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10254 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Talked to borrower, borrower inquired on waiving late charge, agent advised that can waive late fee and send a letter. Agent advised it will take 7-10 business days to receive. Borrower inquired on online access, agent advised website.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10255 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the delinquency letter regarding the advance XXX payment was posted on XX/XX. Late charges were waived, and the borrower requested an Automated clearing house form. The advance payment will take effect after 45 days. The borrower will receive a letter or may contact us for further assistance, and permission was received to complete a callback.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10256 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10257 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10258 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorization 3rd party called in and inquired on transferring the loan into a trust, advised sending in a written request. and borrower provided verbal authorization. advised verbal auth is good for end of today.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10259 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in to inquired about letter received that account is on auto draft and received a letter stating owes $X.XX and advised amount due is the XXX payment for $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10260 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10261 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding the force placed policy letter and advised that a new policy through XXX is active and showing on the account, with coverage through XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10262 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding getting their taxes added to their escrow account. The agent advised them that a work order has been opened and that the updated tax bill is listed under loan documents dated XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10263 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10264 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding a payment by phone request. Agent advised that the payment by phone was completed in the amount of $X.XX, with confirmation number XXX, initiated by XXX and scheduled for XX/XX/XXXX, effective XX/XX/XXXX and applied to escrow. Agent advised to allow 1 to 2 business days for the payment to clear the bank. Call was answered and dead air was encountered with nobody on the line; agent read the dead air prompt and released the call, as per the comments.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10265 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10266 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. talked to borrower transferred the call to Web Support after the customer reported login issues with incorrect security questions and phone numbers. completed an online-access inquiry, reset and unlocked the account,<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10267 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and inquired on the status of PMI removing.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10269 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10270 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10271 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer contacted to inquire about a hazard insurance payment, stating that the insurance company advised no payment had been received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10272 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10273 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10274 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10275 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10276 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in to discuss about online assistance to set up auto draft.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10277 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10278 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10279 | 1 | [1] Damaged Interior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in response to voicemail left by servicer. Servicer advised that adjusters report is missing and borrower stated that the insurance claim is based on contractor estimate. Servicer advised that a written confirmation is needed from insurance company. Borrower stated that they will check if they have it or else they will follow up for the needed documents.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. On XX/XX/XXXX borrower called the servicer for endorsement of an insurance claim check. The claim was classified as non-monitored. Date of loss was XX/XX/XXXX and cause of loss is not mentioned. On XX/XX/XXXX claim check in the amount of $X.XX was received for endorsement. On XX/XX/XXXX claim was sent to the borrower. On XX/XX/XXXX servicer advised borrower to provide adjusters report. Comment dated XX/XX/XXXX indicates adjusters report was pending. There is no evidence of repairs completed, or 100% inspection done. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10282 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Borrower inquiry received regarding hazard call transferred to Insurance Department. Account fully verified. Homeowner called to confirm whether submitted documents were received. Borrower advised that the agent sent over proof of insurance and confirmed receipt. Lender-placed policy was cancelled.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10283 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Talked to borrower, borrower has not been able to log into online account and is having issue, agent call transferred to web support.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10284 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired about loss draft issue which was transferred to loss draft department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10285 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10286 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding payment information as borrower old servicer stated stop payment if not deposit. Agent advised 60 days grace payment loan transfer to new servicer.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10287 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called inquired about how to set up automatic payments online. Agent walked through set up and will receive confirmation once submitted. Agent advised within 14 business days to take effective. if Payment due in next 14 days will need to make XX extra payment. Borrower wanted to know how to change auto draft on website.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10288 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired on escrow refund and name is showing incorrect on file servicer reviewed the name on note and opened a task to correct it and can reissue the check.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10289 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding general questions on automatic drafting. Agent advised that automated clearing house was set up effective XX/XX/XXXX with an additional principal amount of $X.XX, and confirmed the loan was set up on XX/XX/XXXX. Agent advised that the XX/XX/XXXX payment posted on XX/XX/XXXX and was backdated to XX/XX/XXXX, and further advised that the loan was acquired on XX/XX/XXXX and that stops were placed on the account with no late charges, as per the comments.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10291 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10292 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10294 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10295 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and asking about coverage, agent informed general letter we send out once policy is upon renewal.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10297 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10298 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding their hazard insurance being transferred to the Insurance Department and inquired about the notice they received requesting proof of insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10299 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10300 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and wanted to have escrow added to the account. Borrower said that payment was misapplied on XX/XX/XXXX. Borrower made some extra payment towards account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10301 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10302 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired on taxes and states we made payment for taxes that we shouldn't have $X.XX, advised no refunds process and advised contacting county to confirm if refund is owed to us. borrower also inquired on payment increase. advised of escrow shortage amount and advised can pif shortage or spread across payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10303 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10305 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10306 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding their hazard insurance and followed up about receiving a bill for the flood insurance. The agent advised them that the flood insurance is escrowed, confirmed the amount, and advised them that it was paid on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10307 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10309 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10310 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired n adjustable rate mortgage loan and next adjustment. Borrower questioned a $X.XX shortage fee, stating they pays only principal and interest. Explained the shortage occurred due to the adjustable rate mortgage payment change in XX/XXXX, and his XX/XXXX payment was short by $X.XX. Advised they may pay the $X.XX anytime or leave it until payoff.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10312 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make a payment online.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10313 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10314 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10315 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10316 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding how to make payment online advised how to make a onetime payment online escrow once XX/XX payment has been cleared.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10317 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding needing assistance with online registration and accessing their web account. Agent advised the borrower on how to complete the online registration, confirmed that the registration was completed, and explained the steps to view the Form 1098 on the web account. Agent then transferred the call to the Customer Service Web Support Team and completed the transfer to the designated department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10318 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX<br>[1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Borrower stated they received a REC notice from hazard regarding non-payment and requested confirmation on whether the $X.XX disbursement has cleared. Caller fully verified. Transferred to Insurance Department for further assistance.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is insurance dispute. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. On XX/XX/XXXX, Insurance dispute has been resolved. No future question found.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10319 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquiring about escrow shortage. Servicer explained the escrow shortage, advising that the hazard insurance premium has increased significantly, which caused the shortage. Advised the borrower of the shortage amount and the new monthly payment once the shortage is paid. Informed the borrower that if they change the hazard insurance coverage, they should notify us so we can reanalyze the escrow payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10320 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10321 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make a Pay-By-Phone payment of $X.XX scheduled for XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10322 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10323 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10324 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and requested for closing documents to be sent by mail.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10325 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10326 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10328 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in to inquire about loss draft and agent advised contact insurance company for policy information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10329 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding questions about their insurance coverage after receiving a midterm letter. Agent advised that the insurance provider needs to return the refund to the escrow account and addressed the borrower's inquiry about property taxes. Agent then transferred the call to the Customer Service team for further assistance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10330 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10331 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called to verify receipt of documents confirming the insurance carrier change to XXX, with the policy paid in full on XX/XX/XXXX and transferred to the insurance department account, requested the loan be set to non-escrow for insurance only while continuing to escrow for taxes, was advised the XXX policy was received, up to date.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10332 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired about a letter received regarding delinquent taxes on a non-escrowed loan. Borrower stated that proof of tax payment was previously submitted via email and requested confirmation of receipt. Advised that proof of tax payment was received as of XX/XX/XXXX per notes.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10334 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Assisted the customer with issues related to online Automated Clearing House automatic payment enrollment. Confirmed that the Automated Clearing House setup submitted on XX/XX shows as enrolled on the dashboard, but reflects an unsuccessful status dated XX/XX. Advised that the discrepancy may be due to timing of system updates and recommended allowing time for the unsuccessful Automated Clearing House to fully cancel before reattempting setup.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10335 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10336 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and completed a Pay-By-Phone payment of $X.XX, effective XX/XX/XXXX. Borrower was advised the payment may take 1–2 business days to clear the bank.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10337 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower inquiry regarding hazard insurance was transferred to the Insurance Department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10338 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was advised that the payment was misapplied, the misapplied payment dated XX/XX/XXXX was confirmed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10340 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10341 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding changing the due date on their city tax bill to reflect XX/XXXX. Agent advised that an updated tax bill showing the new due date is required to complete the change, and the borrower stated they will not receive the updated bill until the end of the year but would still like the change made now. The agent advise that the change cannot be completed without the updated bill.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10342 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10343 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10344 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party called in regard to escrow shortage. Agent opened necessary task for re-analysis and updated of monthly payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10345 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the previously stated, requested year-end information via email and was advised that it can be accessed online or requested as a duplicate via mail. The borrower was provided the website XXX for online access and indicated that no further assistance was needed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10346 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding tax payments made in XXXX. Agent advised that XX tax payments were made, each in the amount of $X.XX, with one payment posted in XX/XXXX and the second payment posted in XX/XXXX. Agent advised that although the borrower thought the taxes were higher, they were okay with the explained amounts, and further advised that no delinquent tax notice was received by the borrower, as per the comments.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10347 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10348 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired on website. Servicer advised how to register online account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10349 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10350 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and inquired about how to add additional loan to existing online web account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10351 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10352 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10353 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make the escrow payment. Servicer advised how to make the payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10354 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding principal payment options. Agent advised on the different options available to make a principal payment, including how to make a principal payment online and advised the borrower to select other payment options as needed, as per the comments.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10355 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10356 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the inquired about waiving a late charge and was advised that a one-time late charge waiver had already been used on XX/XX. The borrower was also informed of the dates associated with other late fees and a returned check fee. It was explained that payments can be made online under the "Add Payments" option, and the borrower was advised that the late fee is not affecting their credit.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10357 | 1 | [1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to request internal analysis to be completed due to change in taxes and insurance. Agent advise borrower to new analysis ran on XX/XXXX and new payment is on XX/XX in the amount of $X.XX and decrease of $X.XX. Borrower made the online payment.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Escrow dispute. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. Comment dated XX/XX/XXXX indicates borrower has raised the escrow or insurance dispute and servicer has resolved the dispute. There was no further mention about the dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10358 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10359 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10360 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the inquired about the Automated clearing house advice and was informed that a stop was placed due to the account being unable to be located. borrower was advised that a voided check or bank letterhead is required to proceed however, borrower declined to send a voided check and requested a supervisor. A warm transfer to a supervisor was completed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10361 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in to inquire about online assistance to make a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10362 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding general questions about automatic draft and asked why the automatic payment did not process. Agent advised that there is a hold on the automatic payment because the account was not found, and a letter was sent out explaining the issue. The agent also advised the customer service email address for the borrower to send a copy of a voided check so that automatic payments can be reinstated.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10364 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10365 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding login and online account access support for the Your Mortgage Online website. Agent advised how to register for online access and assisted with account access issues related to registering the loan. Agent further advised how to add the loan to an existing profile and set the loan as the primary loan, and the borrower was able to successfully complete the setup. The call was transferred to the Customer Service Web Support Team for further assistance, as per the comments.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10366 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to wanted to know principle balance and agent advise on principle balance and agent advise on bi-weekly program not offered. Agent informed the original amount is $X.XX and XXX is down.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10367 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10368 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10369 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Customer requested that both tax and hazard escrow be waived. Request task opened for escrow removal review. Explained to the customer how the process would work if the waiver is approved.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10370 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorised third party called in and wanted to ask the copy of the year end statement. Servicer advised it can be mailed or can be viewed online.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10371 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding the document and check received status. The agent advised that the electronic check was received on XX/XX/XXXX, and that the email had not been forwarded to the account for processing. The agent advised them to forward the email so the item can be processed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10372 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired about how to make a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10373 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Talked to borrower, borrower inquired on what was loan origination date. While looking into it borrower disconnected the call.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10374 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in and wanted to copy of payment statements of month of XXX, XXX and XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10375 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and inquired about delinquent notice and calculation months.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10376 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding why some transactions appeared as client and others appeared as XXX. Agent advised that the company sub-services for the client and explained that the borrower is enrolled in automatic payments with the servicer as well as a bill-pay setup through their bank. Agent also advised how the payments have been applied.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10378 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10379 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10380 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to says to stop payment on disbursement since that check was stopped due to being lost. Agent sent request to stop disbursement.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10381 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10382 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10383 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Borrower called with information on the different payment options available, including online payments, PBP, Automated Clearing House, and payments by mail. Borrower stated he wanted to set up Automated Clearing House. Assisted Borrower with unlocking/resetting his online access and advised on how to update his email address through the online portal. Borrower also inquired about adding an additional loan to his existing web account; provided guidance on how to add the loan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10384 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10385 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in to inquire about insurance letter received as it stated insurance was placed forcefully and agent advised disregard.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10386 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10387 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired on loss draft issue and new claim procedures and agent email claim procedure to borrower while on call provided adjustor report (aged claim/resolved damage).<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10388 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10389 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10390 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired on waiving late charge. Servicer advised can waive late charge as a one time courtesy. Servicer waived the fee and letter will be mailed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10391 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired on 1098 and servicer advised borrower will received the document on email soon. Servicer also advised the borrower to view the mortgage online.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10393 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10394 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10395 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10396 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10398 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10399 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Talked to borrower, borrower inquired why payment went up, agent advised due to increase in taxes and hazard insurance. Agent advised also short in escrow caused increase in payments ca pay short in full before the effective date.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10400 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10401 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10402 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10403 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquire on name change and servicer advised to send in request and document. Also borrower made payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10404 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and reported being locked out of the XXX website. The account lockout was confirmed due to multiple login attempts, the call was transferred to Customer Service Web Support at extension XXX after full verification, the borrower was advised to allow up to two hours for the reset before attempting again, and the call was disconnected by the borrower during closing.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10406 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Provided general assistance on the Assist Line regarding inquiry about making payments online. Advised member on how to register for online access and transferred to Web Support for further assistance. For Borrower inquiry, explained the online registration process and completed transfer as needed. Reviewed account for member inquired about submitting an online payment for the XX/XX advance loan. Advised that the loan transferred to us on XX/XX and she should now be able to make an online payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10407 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10408 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and requesting for spreading payment over XX months and explain about the escrow shortage.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10409 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to verify documents sent, borrower stated that insurance company needs to update mortgagee clause because that address change.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10410 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10411 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and inquired on tax letter received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10412 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10413 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in to discuss about payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10414 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Talked to borrower, asked about rate increases and was sent to Finance. Borrowers 2nd principal proof request was referred to the covid team. Co-borrower requested the XX/XX/XXXX covid deferral document by mail and borrower asked about the 2nd principal tied to the XXXX covid deferral, requested documents.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10415 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10416 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10417 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10418 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10419 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make a payment. Borrower requested for tax insurance information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10420 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10421 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10423 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10424 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer contacted to borrower regarding the loss draft follow up and the appointment has been rescheduled for XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10425 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10426 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired about a new loan setup and requested the loan number, which was provided. A one-time draft payment was initiated through the mobile application and processed effective XX/XX/XXXX for $X.XX with confirmation number, Payment was completed online.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10427 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10428 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10429 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10430 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in and wanted to know if payment received and agent advised that payment has been received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10431 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in and inquired about the insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10432 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10433 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10434 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10435 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX<br>[1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding confirmation of whether a payment was received for principal from a loss draft and inquired about the current balance, interest rate, and forced coverage status. Agent advised that the principal payment from the loss draft was received and applied to the balance, provided the current balance, interest rate, note information, and maturity information, and confirmed that the forced coverage had been removed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is other natural causes. The file documents a XXX damage loss with a date of loss of XX/XX/XXXX, followed by notification of damage and initial contact on XX/XX/XXXX, and an adjuster report completed on XX/XX/XXXX reflecting a replacement cost value of $X.XX, at which time an insurance loss draft check for $X.XX was recorded; on XX/XX/XXXX, an initial disbursement of $X.XX was ordered and mailed, after which the borrower submitted written notice on XX/XX/XXXX and again on XX/XX/XXXX stating that no repairs would be made and requesting release of remaining funds, which was denied by the client between XX/XX/XXXX and XX/XX/XXXX in accordance with loss-draft protocol; following reconsideration, the client approved applying the remaining loss draft funds to the principal balance, and on XX/XX/XXXX to XX/XX/XXXX, the remaining $X.XX was ordered, processed, and applied to principal, closing the claim. Per the servicer, the client refused to perform the work. Client wanted the cash, which was refused six separate times. Based on an electronic evaluation and the principal balance, the client was offered the option to apply the funds to the principal balance or have the work completed. The client elected the funds to be applied as a principal reduction. Two reductions will be seen in the pay history transactions for the claim funds. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10437 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent contacted borrower regarding outstanding unapplied funds in the amount of $X.XX originally received in XX/XXXX. Agent also advised borrower that the unapplied funds have been identified and requested instruction for application. Borrower requested to apply the $X.XX to principal balance. Will submit request.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10439 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired about deferment transferred to loss mitigation department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10440 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired about insurance. Also asking about the insurance policy coverage. Servicer explained the old policy and stated they have mailed the LPI policy to borrower and borrower having a plan to get the new insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10441 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10442 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and wanted to know the principal balance. Servicer provided the information and year end taxes.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10443 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was contacted regarding the account. Balance confirmed at $X.XX as of XX/XX related to the promise to make payment online. Borrower stated that the loan number is required to proceed further. Borrower updated their primary contact number and provided auto-dial consent. Borrower also requested removal of the prior phone number from the account. Information updated accordingly by the servicer.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10444 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10445 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to inquire about insurance. Borrower stated they forgot and does have the email for insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10446 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10447 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10448 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and payment was paid by phone in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10449 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10451 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in as was not able to login servicer assisted further with borrowers query.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10452 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquiring regarding the hazard insurance. Borrower had insurance-related questions and was advised accordingly. Borrower was transferred to the Insurance Department, and the call was transferred to insurance department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10453 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The co-borrower called in and inquired on online access as well as mailing address to send payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10454 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired about the premium payment paid for $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10456 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10457 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower requested reissue of escrow refund, provide payment detail on Date XX/XX/XXXX in the amount of $X.XX and provide check number for the same.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10458 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Borrower caller inquired about the monthly mortgage statement dated XX/XX for payment due XX/XX/XXXX. Advised that statements are generated in advance and the XX/XXXX statement included the payment coupon for XX/XXXX. Also advised that the XX/XXXX statement is available online if the mailed copy was not received caller stated he does not use online services and did not understand why the XX/XXXX statement included the XX/XXXX coupon. Caller requested a supervisor attempted to transfer but caller disconnected before the transfer could be completed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10459 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10460 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding providing proof of tax payments after the account was removed from escrow per the letter dated XX/XX/XXXX, which requires proof of payment within 40 business days after taxes are paid for the life of the loan. The agent advised that the borrower may send a written request to inquire about opting out of providing proof of payment, and also advised that if tax payments become delinquent, a notification is issued and a letter is sent to the borrower requesting proof of payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10463 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10464 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10465 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10466 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and inquired on online access also needed assistant in getting statements.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10467 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called with an inquiry about taxes, and was advised that taxes are escrowed and have been paid. The escrow account is currently negative, and a new analysis is scheduled for XX/XXXX. The borrower was also informed that partial payments are acceptable.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10468 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and inquired about escrow analysis. Borrower inquired about if payment will stay the same advised would not be able to prove that information right now.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10469 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10470 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10471 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regard to proof of insurance letter received from the servicer. Servicer advised declaration page was received and account was updated.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10472 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The co-borrower called in and wanted to know if payment was received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10473 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized Third party called regarding a payoff statement request. Agent advised the payoff statement is emailed to borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10474 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called the borrower to request adjusters report and borrower advised that they sent it by mail on XX/XX/XXXX. Servicer found the document and added it to the file.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10475 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regard to line of credit and servicer transferred the call to another department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10476 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10477 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired about how to edit autopay online.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10478 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10479 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10481 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer talked with borrower regarding the loss draft check mailed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10482 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired about adding an additional loan to an existing online web account. Advised steps to add the loan. Transfer received from customer Service.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10483 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10484 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10485 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10486 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in to inquire about the letter received for requiring proof of insurance and borrower stated that scam letter however agent advised it was for insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10487 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10488 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10489 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10490 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower contacted us regarding the claim check disbursement. The servicer confirmed that the check was mailed on XX/XX (aged claim/resolved damage).<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10491 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in stated that unable to login on line portal. Advised borrower that the website is down and provided alternate options, assisted with login and password-reset guidance, instructed to retry in an hour, and reviewed the year-end statement verbally.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10492 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10493 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10494 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding the loss draft and requested the status of the disbursement; advised the check was endorsed and mailed on XX/XX/XXXX via regular mail and to allow 7–10 business days for delivery.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10495 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding receiving a letter stating that we never receive proof of tax payment. The agent advised that the borrower previously sent the proof on XX/XX/XXXX, and they received another letter requesting the same information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10496 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10497 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to asked if servicer offer bi-weekly payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10498 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10499 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding claim process for $X.XX in checks for damage caused by XXX (aged claim/resolved damage).<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10501 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10502 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10503 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10505 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding an analysis and requested an explanation of the escrow shortage. The agent advised that we received the refund and requested an analysis, and the agent provided the time frame for the analysis.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10506 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10507 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding not receiving the 6-digit code needed to confirm access on the website. Agent advised the borrower of the next steps and transferred the call to the Customer Service Web Support Team for further assistance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10508 | 3 | [3] Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired about coverage. Borrower wanted to put a insurance claim for LPI insurance. Servicer advice to contact the loss draft department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Borrower called XX/XX/XXXX to discuss submitting claim for XXX damage. No evidence claim was filed or damages repaired. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10509 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10510 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10511 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to verify the contact information on file and advised that one of the listed numbers did not belong to them, so it was removed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10512 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10513 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Borrower request for verification of mortgage has been sent to the contact person at XXXX. Advised turnaround time of 48 business hours for response.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10514 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10515 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10516 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the inquired about why the monthly payment increased advised the increase is due to higher property taxes and an escrow shortage, both of which caused the payment to rise. The escrow analysis showed a shortage, which, in accordance with IAO $X.XX, was spread over XX months from the effective date. The adjusted payment went into effect on XX/XX/XXXX and includes the increased tax amount as well as the escrow shortage repayment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10517 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10518 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10519 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower inquired about hazard insurance and a deficiency letter. Borrower stated received a notice instructing to contact insurance agency but lacked phone information and was advised no information was on file and to call back once obtained, after which a correction noted that a second notice was received, and the documents were confirmed as received per document with no further action required.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10520 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called regarding questions on lender-placed insurance; Agent explained that the loan was charged $X.XX for LPI from XX/XX/XXXX to XX/XX/XXXX with a $X.XX refund issued after receipt of the XXX policy effective XX/XX/XXXX to XX/XX/XXXX, cancellation notice and endorsements were reviewed, attempts were made to confirm coverage with the agent and carrier, it was determined one policy did not renew and another was rewritten creating a small lapse, and customer was advised to allow five business days for processing.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10521 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower completed a pay by phone payment in the amount of $X.XX with no pay by phone fee, initiated by non-monetary entry, scheduled for XX/XX/XXXX, applied to the XX/XX/XXXX payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10522 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in requested to be complete escrow analysis due to change in taxes insurance. Borrower inquired about making part payment by phone.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10523 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10524 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10525 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and requested confirmation of whether a mortgage statement was sent; advised yes and provided the date, and informed that another copy can be sent if needed. B2 declined assistance, stating they will visit the branch; advised that with account number so they can make a payment and to notify the teller to apply any extra amount to principal. Informed borrower that we received a $X.XX principal payment on XX/XX/XXXX. Also advised borrower to check with credit bureaus for any possible fraud activity; account is current and mortgage looks good.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10527 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower gave the verbal authorization to speak with third party and inquired on making XXX payment. Servicer answered the general questions on the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10528 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10529 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10530 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10531 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10532 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to inquire on insurance premium payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10533 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10534 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make a payment in the amount of $X.XX and servicer provided confirmation number.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10535 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10537 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10538 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Borrower called to inquire whether the payment received an advance notice. Borrower also asked about XXX and XXX payments. Member stated he overpaid by $X.XX plus an additional $X.XX on XX/XX by mistake. He is requesting that the total overpayment of $X.XX, currently in suspense, be applied toward the XXX payment. Member will pay the remaining difference of $X.XX by XX/XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10539 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10540 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regard to letter received about proof of insurance. Servicer called the insurance company and updated the mortgagee clause. Borrower disconnected the call, so servicer called the borrower and advised that the verbal update was successful, and mortgagee clause was updated.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10541 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to request payment amount and due date and advised that they made a payment on XX/XX/XXXX over the phone but there is no record. Servicer advised that their record indicates that current balance, payment options and autopay setup were discussed on the previous call and a payment was not processed. Borrower stated that the agent took down information and payment was supposed to be processed. Servicer advised about payment fees, due date and 60 days grace period.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10542 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10543 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10544 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10545 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent talk with Borrower to request to make shortage payment today and borrower making shortage payment today. Borrower wanted to know they will payment change. Agent advised that payment will be effective for XX/XXXX and overage will be refunded.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10546 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and wanted to know if the payment was received as the system shows due for XX/XX. Servicer stated payment was received also stated the system takes time to reflect and advised the next due date as XX/XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10548 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10549 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding having the mortgage note sent by fax. The agent advised that the mortgage note is available in the document system and created a task to fax the mortgage note with a turnaround time of 3 business days.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10550 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10551 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding receiving a bill even though they are XX months ahead on their mortgage payments. Agent advised that after the borrower makes a payment, a new statement automatically generates. The agent advised that if the borrower prefers not to receive multiple statements, they can sign up for electronic statements online. The borrower advised they are aware of this option and agreed with the information provided.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10552 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding the late charge on the account. The agent advised that the late charge was waived as a one-time courtesy and advised them to contact their bank about the payment that was sent late.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10553 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10554 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10555 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10556 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10558 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10559 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired about the status of tax which was paid.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10560 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding why their automatic payment did not draft this month. The agent advised that there was a change to the draft date by XX day on XX/XX when the principal curtailment was adjusted to XX, which caused the automatic draft file to drop and prevented the payment from drafting. The agent advised the borrower that they will need to make the XXX payment manually and that the automatic payments will resume in XXX. The borrower inquired about the late fee, and the agent advised that the late fee was waived and sent quality letter. The borrower stated will make the XXX payment and was advised they will receive the letter in the mail within 7-10 business days confirming the late fee was waived.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10561 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding the payment amount and due date. The agent advised that payments are due on the XX of the month with a 15-day grace period, and that payments made after the XX are considered late. The agent advised that the payment sent on the XX has not been received, provided the late fee amount, and recommended adjusting the bill-pay date. The borrower stated they sent an extra $X.XX for the late fee and will send the remaining balance through bill pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10562 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the cancellation of the principal curtailment. The borrower stated that the request was deleted online; however, the amount was still deducted. The agent advised the borrower to submit a written and signed request to have it deleted as soon as possible.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10564 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10565 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10566 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent talk with borrower regarding received delinquent tax bill due on XX/XXXX and penalty date is on XX/XX/XXXX. Agent advised bill is past and penalty date and advise to send a copy of bill to tax department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10567 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX<br>[1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding wanted to know if payment received and advised borrower inquired if fee was waived.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Fee Dispute. The dispute is not resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. Comment dated XX/XX/XXXX states there was a fee dispute issue related to borrower loan transferred with existing fee being assessed prior to servicing beginning unable to waive fee.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10568 | 1 | [1] Damaged Interior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in discuss about XXX damage on the property.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Comment dated XX/XX/XXXX indicates that subject property had XXX damage and borrower filed an insurance claim with loss draft also the claim was classified as non-monitored. Comment dated XX/XX/XXXX indicates that the claim check has been sent to endorsement. However, there was on indication of 100% repairs inspection completed on the property. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10569 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquire about extra principal in XXX but not deducted from principal balance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10570 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10571 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Advised the client that we are expecting a tax refund. Informed the client that once the refund is received, it will be deposited into the escrow account. Also requested that the borrower provide an updated tax bill so we can ensure the tax payment is disbursed accurately.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10572 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10573 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent called borrower and advised of final amount due. Borrower stated they mailed a check on XX/XX for $X.XX and expressed frustration about payment processing time; declined to verify mailing address, rejected alternative payment options, and indicated for plans to file a complaint; advised there is no CBR reporting or LC for first 60 days and he wants no fees due to payment setup.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10574 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to checking status of disbursement of claim check that was sent in to be indorsed. Agent confirmed that it just completed processing this week and claim was endorsed and released mailed about via XXX (aged claim/resolved damage).<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10575 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding an analysis explaining the overage on the escrow account and also inquired about enrolling in bi-weekly payments.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10576 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10577 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding letters received about force-placed insurance. The borrower was advised that no proof of coverage is on file and a copy of the insurance declarations page is required. The agent provided the fax number and email address. The agent offered a transfer to an insurance representative, which was declined. Additionally, a one-time draft payment was initiated.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10578 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10579 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquiry to went over year end statement. Year-end statement information provided. XXX Form 1098 mailed on XX/XX. Advised to review the XXXX year-end statement for Borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10580 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10581 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10582 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10583 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10584 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent talk with borrower regarding escrow analysis and borrower requested to new analysis completed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10585 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10586 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10587 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to discuss the account and inquire on recast the loan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10589 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired about making changes online before transferring.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10590 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Borrower called and completed paid by phone in the amount of $X.XX. Advised the borrower to allow 1–2 business days for the payment to clear the bank. Payment is effective XX/XX/XXXX.Borrower asked to confirm the loan number, which was confirmed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10591 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired on loan number. Servicers provide loan number and site.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10592 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10593 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10594 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquiry regarding the advance grace period days (enter the grace days provided). And also inquiry on whether payment can be made before the first month in advance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10595 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10596 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10597 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called and reported being unable to log in to the online website. Successfully logged into the account during the call. No further assistance needed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10598 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquire about escrow analysis. Agent advised that the analysis was completed on XX/XX/XXXX. Agent informed the borrower of an escrow shortage amount of $X.XX and advised of the new payment amount if the shortage is paid. The agent also explained the different payment options available to satisfy the shortage.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10599 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding assistance on how to submit the payment online and agent advised to make a one time payment online.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10600 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10601 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10602 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10603 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10605 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10606 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10607 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Borrower called inquiry on hazard insurance transferred to the Insurance Department. Borrower inquired whether updated insurance information was received. Confirmed that we received the homeowner's declarations page and updated the account accordingly. Homeowner called to verify documents sent were received. advised that the documents were successfully received and processed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10608 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10609 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10610 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10611 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10612 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10613 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10614 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquire on making payment servicer assisted borrower further with the query.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10615 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to make $X.XX towards principle on autopay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10616 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10617 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10618 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10619 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10620 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding to inquired about CBR reporting and was advised to speak with Customer Service since the reporting was the bank's fault; provided the customer service number and hours, then transferred the call. Borrower confirmed the loan is current with the next payment due XX/XX for $X.XX. Borrower stated they received a breach letter for XX/XX and was advised to disregard it as the loan is current and they have multiple loans.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10621 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10622 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10623 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10624 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10626 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. "Borrower called requesting a copy of their year-end statement; advised it can be mailed or viewed online. Borrower declined mailed copy.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10627 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired about mortgage billing statement.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10628 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding an increase in their mortgage payment. The agent advised that the payment increased due to higher homeowner insurance and city taxes, as well as an escrow shortage. The agent also advised that the borrower may pay the escrow shortage in full and request a new escrow analysis to adjust the monthly mortgage payment. The monthly shortage is approximately $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10629 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and requested removal of the escrow account. The borrower was advised that a notification letter would be sent by mail.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10631 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10632 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10634 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10635 | 1 | [1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Borrower called advised she did not consent to receiving calls via an automated dialing system. Borrower had questions regarding the non fund advisory I addressed her questions. Requested Borrower best contact number, at which point B1 disconnected the call.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Fee Dispute. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. On XX/XX/XXXX, Borrower disputing fee advised that agent allows 30 days to respond to fee-related disputes. Reviewed and explained all payments received, applied, and returned. Informed borrower that NSF fees cannot be waived; however, borrower may submit proof of payment for further research. Confirmed loan is next due for XX/XX in the amount of $X.XX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10636 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding the hazard insurance being transferred to the insurance department. The agent advised that the inquiry about the insurance policy was transferred to extension.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10637 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and escrow analysis and explained escrow shortage advised ways to pay shortage amount.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10638 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding account to inquire about a late fee. Agent attempted to waive the late fee; however, the system reflected the late fee as invalid and unable to be waived. Agent advised that the late fee is expected to be removed automatically due to a service transfer error, as per the comments.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10640 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in to inquire about online assistance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10641 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding updating their bank account information after opening a new account. Agent advised that borrower can update their banking details online, and since they were unsure how to do so, the call was transferred to the web support team for further assistance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10642 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the inquired on how to combine accounts online and transferred to fully verified web support.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10643 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower hazard inquiry transferred to Insurance Dept. Borrower advised to confirm updated insurance. New XXX hazard policy requires payment. Premium inquiry completed. Mortgage clause verified with borrower. Insurance carrier change noted and refund process advised to the borrower<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10644 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10645 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10646 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10647 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding account and requested to make a payment by phone. Agent obtained permission to complete the call. Borrower indicated intent to make a pay-by-phone payment in the amount of $X.XX on XX/XX with confirmation number XXX. Borrower stated the payment was initially sent via bank bill pay, which she has used consistently for the past XX years, however advised that the payment was returned this time.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10648 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired about the escrow shortage amount and advised it is $X.XX. Can be PIF or XX monthly payments.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10649 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding needing assistance with setting up the online account. Agent advised that the customer service web support team could further assist, and the call was transferred accordingly.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10650 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10651 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10652 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent called borrower regarding low survey score but borrower stated no concerns at the moment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10653 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10655 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10656 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party called in regarding escrow balance and current escrow balance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10657 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10658 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding for online payment received and advised not showing payment initiated.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10659 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in to inquire about refinance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10660 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called to inquire about hazard. Call transferred to insurance department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10661 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called and inquired about how to submit a written request to remove PMI. The borrower was advised, per the letter sent on XX/XX/XXXX, that the loan currently exceeds the XX% loan-to-value requirement. The borrower was instructed to submit a written request with a wet signature.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10662 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called and requested to be transferred to the VRU line, and the call was successfully transferred to the VRU.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10663 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10664 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10666 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10667 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10668 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to inquire about the payment amount and due date. and borrower contacted us regarding making the payment for XXX and asked whether the late fee could be waived. servicer advised borrower of the available payment options and played the OTP recording. I also provided the website URL and explained how to make the payment online.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10669 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10671 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Talked to borrower, borrower made payment in the amount of $X.XX. Agent advised allow 1-2 business days to clear the bank.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10672 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10673 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10674 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10675 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10676 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10677 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10678 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Borrower called inquired about online access and asked if an online site is available for making payments. A one-time draft payment was initiated through the XXX web mobile app. XXXX payment initiated with an effective date of XX/XX/XXXX for $X.XX. Payment successfully made online.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10680 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10681 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called with general questions on auto draft, advised ACH can be set up online and explained the ACH form. Borrower needed assistance registering the account and was transferred to web support after full verification.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10682 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10683 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and requested that we order an in-person inspection.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10684 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10685 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10686 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in to inquire about taxes are due beginning of XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10687 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10689 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in to discuss about payment confirmation.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10690 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10691 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called and inquiry confirmed that the hazard insurance was transferred to the insurance department account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10693 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10695 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10696 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10698 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in and wanted to know if payment received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10699 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with co-borrower regarding the status of the disbursement and answered general questions related to the loss draft. advised that the funds were mailed out on XX/XX. No review needed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10700 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10701 | 1 | [1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the inquired about a late fee on her account in the amount of $X.XX, stating that she has not been late on her payments. agent advised borrower that the late fee was assessed by the prior servicer and was transferred to us with the loan. borrower stated that they would like to dispute the charge, and agent provided them with the customer service email address, advising them to submit the request with attention to Research/Dispute and to include her loan information.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Fee Dispute. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. Comment dated on XX/XX/XXXX indicates Fee Dispute was raised by the borrower and servicer provided the resolution and dispute was resolved. Thereafter no evidence of dispute mentioned by the borrower. Per the servicer, they advised the client to submit a dispute to customer service email. However, there is no record that the client did so, thus no complaint closure documentation.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10702 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX. Spoke with Borrower called initially believed the borrower was fully verified but realized the call was routed to the incorrect department. Representative maintained the borrower on the line. Addressed the borrower's general inquiry regarding whether taxes were included in escrow along with insurance. Advised that taxes are not currently included and informed the borrower to submit a tax add request if they would like taxes to be added to escrow.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10703 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10704 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10705 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10706 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX<br>[2] Damaged Interior - Active insurance claim but unclear who holds funds or covered by bid | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in to inquire about loss draft issue.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Claim was filed for XXX damage, date of loss XX/XXXX. Claim is non-monitored. Claim funds received in the amount of $X.XX. On XX/XX/XXXX borrower stated there is check for $X.XX to endorse. No evidence claim funds have been received or that damages have been repaired. The damage repair amount is estimated at $X.XX. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10707 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10708 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10709 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10710 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and inquired about how to register online and advised go to the website and click on register and steps to complete the registration.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10711 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10712 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10713 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the inquired about Special Loans issue. Caller contacted us to confirm whether a wire transfer had been received. Advised that the wire has been received but has not yet been applied. Caller was fully verified. borrower also inquired about recast and wire transfer details. Call was transferred to Customer Service Special Loans Team, and borrower was advised of the transfer to the Special Loans extension.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10714 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Called to the borrower regarding the requested payment amount. The borrower became upset after being informed that the account was past due. The borrower asked for my name, and servicer provided my company initials. The borrower was extremely rude during the call.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10715 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Advised the customer to register for borrower online access through the web portal. Guided them on the steps to complete the online registration process and provided instructions on how to access borrower via the portal.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10716 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10717 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10718 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower wanted to know if the account is paid ahead. Confirmation shows no payment due for XXX. The next payment due is XXX, as the last time XX payments were received in XX month was in XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10719 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in to inquire about different payment options and agent advised borrower to send an email.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10720 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding the escrow shortage that appeared on the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10721 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10722 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and inquired on payment policy related and advised sending update information and payment request provided.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10723 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and inquired about the private mortgage insurance removed and would need to put in a request to have it removed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10724 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding incorrect mailing address. Borrower reported the mailing address on file is incorrect and has tried updating it for XX years. Borrower provided a tax bill on XX/XX/XXXX confirming the street name change, and per assist. Borrower advised of 20-day turn around time and possible insurance issues due to mismatched property address.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10725 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding account to inquire about making an online payment for an insurance disbursement that was returned to borrower. Agent advised borrower how to submit the payment online and how to direct the payment to escrow only. Agent offered to process a pay-by-phone payment and advised the borrower of the $X.XX convenience fee.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10726 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10727 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower had a check endorsement inquiry.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10728 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Borrower called regarding funds in suspense in the amount of $X.XX have been identified and need to be applied to principal. Per borrower confirmation, the funds in suspense advance will be applied to principal within 3 business days. Site provided to the customer.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10729 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in to inquire about mortgage payment received with principal amount $X.XX as curtailment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10730 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10731 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10732 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10733 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquire on waiving late charge, agent advised fee waived, letter will be mailed and advised 7-10 business days to receive.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10734 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10735 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10736 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10737 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower contacted with general questions regarding the automatic draft. The borrower inquired whether the automatic draft amount will change effectively in XXX due to the payment decrease. Advised that any time the payment amount changes whether an increase or decrease the automatic draft will automatically update, and no manual adjustments are required.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10739 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10740 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called, inquiring if the payment was received. Advised yes, the payment is confirmed as received and effective as of XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10741 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired if XXX payment had been received. Borrower asked if there is any fees and servicer advised no fees attached if loan transferred. Servicer advised about the next payment due.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10742 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired on hazard and servicer transferred to insurance department and borrower inquired about insurance payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10743 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10744 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10745 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding their request for an interim analysis to be completed due to a change in taxes or insurance. The agent advised that the buckets were confirmed to be updated, the payment change is at least $X.XX, and there is no stop on the account. The agent further advised that the yearly analysis is more than XX months in the future. An interim analysis adjustment task was opened and the turnaround time is 4 business days, plus 7-10 business days for mail time.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10746 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10748 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding payment amount and advised to allow 1-2 business days for the payment to be clear from the bank.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10749 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party called regarding a premium payment inquiry for insurance. Agent advised that the insurance carrier is XXX, the payment amount is $X.XX, the payment has not yet been made, and the payment is not due at this time. Agent advised the payment is being sent to XXX, provided the main contact number of XXX-XXXX for the agent, and transferred the call to the insurance department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10750 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer contacted borrower to discuss about payment made by phone on XX/XX/XXXX in the amount of $ X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10751 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10752 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10753 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the inquiry was made regarding web advisory on how to register for online access. The registration has been successfully completed, and user borrower has been granted full access to the web account. The account has been fully verified.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. The proof of claim was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10754 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and wanted to know when the payment was due on the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10756 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquire on changing mailing address and agent sent change of address form to borrower. Agent informed they need wet sign form.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10757 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and inquired about the increase in the monthly payment. Advised that the increase is due to higher taxes and an escrow shortage caused by the tax amounts. Provided escrow shortage spread options. Email request sent to the Research Department at XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10758 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10759 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10760 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10761 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10762 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10763 | 1 | [1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called requesting to waive the escrow account. A waive-escrow task was created, and the borrower was advised of the five-business-day turnaround time. The borrower stated that the loan did not originally include an escrow account and requested that it be removed.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. As per the comment dated XX/XX/XXXX, the credit dispute raised by the borrower has been resolved.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10764 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10765 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and says received a letter from insurance company on XX/XX/XXXX, that they did not receive a payment, servicer advised date of payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10767 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the inquiry was made regarding the insurance hazard, which was transferred to the Insurance Department. The account was fully verified. The customer provided phone number XXX-XXXX regarding a letter received about not having an updated insurance policy, the customer has the declaration page and wanted to confirm if that is what is required. The call was transferred to extension XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10768 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired and stated why the payments was not issued for XXX policy. Servicer advised renewal policy and invoice needed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10769 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and requested XXXX Form 1098. Agent did not service the loan in XXXX, so they are unable to provide the document. Advised borrower to contact loan officer or branch for the previous servicer information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10770 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10771 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired about waiving the late charge. servicer advised that the late charge could be waived as a one-time courtesy. The fee was waived, and a QL090 letter was sent, which will be mailed. servicer advised that it should be received within 7–10 business days.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10772 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the wanted to know if the payment was received, advised that no amount is currently due and also advised of the amount due. Informed that automated clearing house will be effective for XX/XX. Completed principal balance payment for $X.XX with confirmation number XXX and provided all available payment options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10773 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and stating they are having issues with online login.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10774 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding the hazard insurance and requested the mailing address for insurance documents. The agent advised the borrower to contact the Agent Line for the correct mailing address and provided them with the Insurance Direct Line.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10775 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10776 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called in regarding loss draft check and servicer also informed about general information on account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10777 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10778 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The homeowner called to verify that the documents sent were received (Loan #XXX). Spoke with XXX at XXX, who confirmed the mortgage claim is fully verified. The borrower asked whether we had received the Evidence of Insurance (EOI); advised that it was received on XX/XX/XXXX, but it is not a declarations page. An outbound service call was made to XXX at XXX-XXXX and spoke with XXX, then transferred to XXX at XXX-XXXX. The call was subsequently transferred to the CS department at XXX-XXXX, which was a wrong number. The borrower was advised and stated he will contact XXX to obtain the declarations page. He provided an XXX email address for sending the declarations page.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10779 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10780 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10781 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and requested to remove escrow. The borrower stated that payment has been made for the negative escrow balance and requested that escrow be removed from the account. The agent opened a task/work order per the borrower's request to remove tax and insurance escrow from the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10782 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10784 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10785 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired on how to make a payment online.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10786 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding property taxes. Agent advised that the taxes are being escrowed and will be paid.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10787 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding escrow. Agent advised that if an analysis were run today, estimated payment would be $X.XX due to existing shortage caused when taxes were paid. Reviewed options: paying shortage in full or making shortage payments would reduce the monthly amount. Also advised insurance is due XX/XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10788 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Spoke with Authorized 3rd party. Borrower advised that a payment of $X.XX was taken on XXX and that $X.XX of this amount was incorrectly applied to escrow instead of principal. I informed Authorized 3rd party that I have submitted work order to have the $X.XX moved from escrow to principal. Advised that the correction may take up to 5 business days. Please move the $X.XX escrow payment posted on XX/XX/XXXX and apply it to principal, effective XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10789 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regard to different payment options. Advised to borrower how to make additional payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10790 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10791 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10792 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10793 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10794 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10795 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10796 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10797 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding the status of the XXX payment and stated that the payment was mailed to the previous servicer. Agent advised the borrower to contact the previous servicer to confirm whether the payment will be forwarded and recommended making a one-time payment through the online portal to avoid delay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10798 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Borrower called and additional loan to your existing online web account, please log in and navigate to the Add/Link Loan or Manage Loans section. Follow the prompts to enter your new loan details. If you don't see this option, the loan may need to be added by our support team. In that case, please contact Customer Service with your loan number, and we will assist you further<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10799 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10800 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to request to waive the taxes and insurance from escrow. Servicer advised the XXX 5 business days plus 7 to 10 business days from mailing address. Also, borrower wanted to know the escrow analysis Servicer advised the escrow analysis was done on XX/XX/XXXX and the next payment amount is $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10801 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired about payment increased and servicer advised due to increased in taxes and insurance and also shortage in escrow caused increase in payments. Servicer also informed if shortage is paid off payment will still be higher than before due to increase in taxes and insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10802 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to inquire about servicer. Agent advised submitting a written request with any supporting documents to Special Loans via mail, fax, or email (XXX). Explained that once received, the Special Loans department will review and send a response with any further details or instructions.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10803 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired on hazard insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10804 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10805 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10806 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10807 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding property taxes. Agent advised that the taxes are being escrowed and will be paid.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10808 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10809 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to know payment amount and due date.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10810 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and the call was transferred to Customer Service Special Loans team and fully verified. Borrower inquired if making payments ahead of time or paying off the loan early would save on interest. Agent advised yes early or additional principal payments reduce interest since monthly payments are P&I and no prepayment penalty applies. Rep was advised to transfer B2 to Special Loans for further assistance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10811 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10812 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10813 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10814 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10815 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10816 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10817 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10818 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10819 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Called to the borrower answered general questions regarding loss draft. and also request inspection opened request and advised will be contacted soon to schedule..<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10821 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10822 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired about being unable to log in to the online account. The agent provided the website link. The borrower stated continued issues resetting the password and not receiving the reset email. The agent advised and transferred the call to Web Support. Additionally, a one-time draft payment was initiated.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10823 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and wanted to know if payment received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10824 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party called in and wanted to confirm auto draft effective date if it is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10825 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquire about auto payment setup online.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10826 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to inquire about website.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10827 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Borrower called to confirm payment due date. Advised that current payment is due for XXX. Borrower inquired about making an advance payment. Informed that payment can be made by phone with applicable service fees, or online free of charge. Provided website and assisted Borrower with logging in successfully.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10828 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired about hazard insurance and was transferred to the Insurance Department. The borrower stated that a letter was received requesting submission of hazard insurance information. The agent provided the direct phone number and hours of operation.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10829 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10830 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10831 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10832 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10833 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and stated has mailed the payment on XX/XX/XXXX and the check has not been received and stated will cancel the check and repay at the branch.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10834 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10835 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10836 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10837 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to inquire about hazard insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10838 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was contacted regarding a hazard insurance inquiry and was transferred to the Insurance Department. Borrower paid the insurance premium directly since payment was not received and requested guidance on how to obtain a refund from the escrow account for the insurance disbursement.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10839 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired about the increase in payment. The agent advised that the increase is due to higher taxes and insurance, as well as an escrow shortage, which caused the payment increase. The agent explained that the borrower may pay the escrow shortage in full before the effective date or have it spread over XX months. The agent further advised that even if the shortage is paid in full, the payment will remain higher than before due to the increase in taxes and insurance. A task request was opened to send the escrow analysis statement.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10840 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10841 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called for payment amount of $X.XX and advised to allow 1-2 business days for the payment to be clear bank.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10842 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Borrower contacted Assist Line regarding escrow balance and shortage. Borrower states the escrow shortage is incorrect and believes funds are missing. Provided borrower with current escrow balance and explained that the shortage is due to insufficient funds available in the escrow account to cover tax disbursements and projected amounts. Borrower disagreed and requested a detailed breakdown of the escrow activity. Please provide a full review and detailed breakdown of the borrower's escrow account history to confirm accuracy and address borrower's concern regarding alleged missing funds.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10843 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding payment that was misapplied to the loan on XX/XX/XXXX. Borrower confirmed the same information and acknowledged the misapplied payment. A task has been opened to have the payment applied correctly.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10844 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10845 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10846 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10847 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10848 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10849 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10850 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower requested an additional statement for XXX, and the request has been submitted for mailing, also assisted the borrower with inquiries regarding available payment options, explained the advantages of each option, and provided the required guidance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10851 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Talked to borrower, borrower would like to get loan number, agent provided the loan number. Borrower states account is locked out, agent advised due to number of attempts, advised to allow 2 hours to reset and then attempt again.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10852 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding a payment made in XXX that was misapplied into the suspense account, which resulted in the borrower receiving a late fee due to the company's error. Agent advised that the late fee will be waived and that the waiver will not be processed as a one-time courtesy since the error was on the company's end.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10854 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired whether the taxes are escrowed and confirmed. Borrower stated that a tax bill was received and is due today. Informed borrower about a payment on XX/XX/XXXX in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10855 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10856 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding hazard insurance and call transferred to insurance department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10857 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10858 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower changed the insurance carrier. and stated will fax documents form local branch.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10859 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10860 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10861 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10862 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired if payment received and servicer provided the confirmation to the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10864 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the request to add a hazard insurance charge to escrow, as the required amount of $X.XX to initiate insurance coverage was paid on XX/XX/XXXX. Advised opening a Hazard Add task. Also advised that a letter will be mailed reflecting the new mortgage payment amount, with an estimated 7–10 business days for delivery.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10865 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10866 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10867 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10868 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower gave verbal authorization to the third party and authorized party inquired on waiving late charge. Servicer advised can waived the late charge as a one time courtesy and fee was waived by the servicer.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10870 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10871 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and inquired about next analysis; Agent advised XX/XX with effective date XX/XX/XXXX. Advised that running analysis now would decrease payment. Borrower asked to add passcode; advised written request with wet signatures from all borrowers is required.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10872 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10873 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10874 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the inquired about the current principal balance and advised that the balance is $X.XX. borrower requested a copy of their year-end statement advised that it can be viewed online or mailed. The borrower requested a duplicate copy to be mailed to the same address and was advised of a 7–10 business day timeframe for delivery.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10875 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10877 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and requested for loan number.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10879 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10880 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10881 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding an increase in their monthly payment and requested clarification on why the payment went up. Agent advised that the increase is due to higher taxes and hazard insurance, as well as an escrow shortage that contributed to the payment change. Agent explained that the borrower can pay the escrow shortage in full before the effective date or allow it to be spread over XX months. Agent also advised that even if the shortage is paid in full, the payment will still be higher than before due to the increase in taxes and hazard insurance. Agent informed the borrower that if they choose to pay the shortage in full, it must be paid before XX/XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10882 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to request an update regarding the loss draft. Answered general questions related to the loss draft process. Advised the borrower that we can reach out to the insurance company again to request the updated adjuster's report.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10883 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called inquiring about hazard insurance; fully verified and was transferred to the Insurance Department for assistance with providing proof of insurance. Borrower also requested to update the contact number on the account, and the update was completed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10884 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding how to make a payment toward the escrow account and requested information on the available payment methods, including online, mail, bill pay, and branch options. Borrower also inquired about how to make a payment online and requested confirmation of the correct website. Agent advised the borrower on the process of making a payment through the website, walked them through making a one-time payment, and informed them that once completed, they will receive a payment confirmation number. Agent also advised that they can make only XX payment per day and can cancel a payment within 1 hour if needed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10886 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10887 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the stated that the exemption has changed, advised that the county will issue an adjusted tax bill. and also inquired about updating their name due to marriage and was advised to submit a signed written request to Special Loans Proxy. Provided applicable turnaround time (TAT) information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10888 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10889 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and wanted to know about payment amount and due date. Co-borrower needed lockbox.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10890 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10891 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and requested to speak with someone regarding a HELOC.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10892 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the insurance documents.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10893 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10894 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10895 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party called in and inquiry related to hazard insurance and was fully verified. The call was transferred to the Insurance Department for updating insurance policy information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10896 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, Borrower called regarding online access and confirmed borrower was able to log into the website. Provided guidance on making a one-time payment online or using his bank's bill-pay service. Borrower asked for his payment amount and due date reviewed account and advised of suspense balance of $X.XX. Borrower stated received a letter from the previous servicer indicating an outstanding balance of $X.XX and was advised that $X.XX would be needed to bring XX monthly payments fully current. Reviewed that the last payment received was an escrow transfer from the prior servicer. Confirmed no late fees will be assessed during the grace period through XX/XX. Borrower will call back after his payment posts.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10897 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10898 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquiry on loss draft issue. Borrower fully verified and transferred to loss draft for endorsement assistance. Received notification of property damage and ordered new procedural letter. Claim check for $X.XX related to XXX and XXX damage dated XX/XX/XXXX received (aged claim/resolved damage).<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10899 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10900 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding their request to remove the escrow account and asked why the escrow balance is negative. Borrower also inquired about when taxes are paid, requested an estimate of how many payments it would take for the account to become positive, and asked about updating their name. Agent advised that the escrow account must be in a positive balance in order to be eligible for escrow removal. Agent informed the borrower that the current escrow amount is negative by $X.XX and explained that the escrow is negative due to upcoming tax disbursements. Agent advised that taxes are paid in XXX and XXX. Agent provided an estimate of approximately XX payments for the account to be brought out of the negative, noting that this estimate assumes no additional escrow disbursements. Agent also advised that the department handling name updates is closed for the day and provided guidance on when they will be available.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10901 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to Inquire on analysis agent explained escrow shortage caused by increased hazard cost. Advised options to cure shortage or spread over XX months. Also advised if shortage is paid, new payment effective XX/XX/XXXX would reduce to $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10902 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make a payment online and provided confirmation.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10903 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10904 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10905 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired about receiving the billing statement via email. The agent advised that statements cannot be sent by email but can be sent by mail or fax or accessed online. The borrower stated she was unable to access the online portal. The agent provided the website to access the account online. The borrower requested that the statement be mailed. The agent confirmed the mailing address and submitted a request to resend the mortgage billing statement dated XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10906 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired about the year-end statement. The borrower requested that a duplicate statement be mailed. The agent also advised that the statement information is available online.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10907 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called borrower regarding mortgage delinquency and offered right party contact. Agent spoke directly with borrower and reviewed loss mitigation options. Borrower stated she has not yet received the loss mitigation application in the mail. Agent advised borrower to call back if the application is not received by the end of the week. Borrower advised she receives long term disability and Social Security income and reported a prior stroke and stated she is looking to return to work.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10908 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower's ATP had an insurance related inquiry.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10909 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired about hazard insurance and call was transferred to the insurance department. Account fully verified. Borrower inquired about premium payment and agent advised insurance has not received the payment. Agent confirmed insurance details and advised payment of $X.XX was sent on XX/XX/XXXX via check number XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10910 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10911 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10912 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10913 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired on online access with the old loan number and agent advised old loan number is deactivated.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10914 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10915 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10916 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired how to view the e-statement online. Servicer advised how to view the statement also helped the borrower to enroll from e-statement.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10917 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquire on grace period. Advised to borrower of 15 days grace period and the monthly statement was sent on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10918 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding their request for a copy of the original land survey to be mailed to the address on file. They stated that the survey is located in the loan documents dated XX/XX/XXXX and asked that the copy be sent as soon as possible. Agent advised that the request is available in the document hub, that the fax task was opened with an advised turnaround time of 3 business days, and that the loan number was provided for online account access to request documents by secured message.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10919 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make payment online and inquired if payment was made on XX/XX/XXXX was received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10920 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding the maturity date being changed. The agent advised the borrower to submit a written request, and informed them that the loan will be set up according to the documentation received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10921 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10922 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in as unable to view payment history and other loan activities on the website. Advised to borrower of website address and transferred the call for payment history. Also, necessary task was opened to update additional payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10923 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired on online access and servicer advised on website. Also advised about stop on XXX payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10924 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired on where to send payments. Servicer advised about address and wants to know mailing address to send payments.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10925 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired on escrow analysis and servicer explained about escrow shortage and advised of payment increase.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10926 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10927 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10928 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10929 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10930 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10931 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10932 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding their request to update the principal curtailment to enter a delay day or amount, and to change the additional principal amount to $X.XX monthly. Agent advised that a task was opened with an advised turnaround time of 2 business days and that notes were added to the open task.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10933 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Called to the borrower and advised loan is current apologized. borrower said there was an issue with the payment advised borrower that has been resolved and will be applied as XXX and XXX payment<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10934 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10935 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called and wanted to know why payment are being rejected. Servicer advised that never received payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10936 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called and inquiry about hazard insurance. Call transferred to insurance department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10937 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer inquired about the payment due date and why statements are being received mid-month. The most recent statement is dated XX/XX. Provided explanation of billing cycle, bill/receipt schedule, next payment due date, and clarified where the account became paid ahead.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10938 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding account to confirm the non escrow insurance declaration page for the policy effective XX/XX/XXXX through XX/XX/XXXX with a total premium amount of $X.XX and confirmed the insurance information. Agent advised them that the updated non escrow insurance declaration page was received and saved to the document hub, the coverage amount of $ X.XX was verified per the document received, the insurance line was already current as of XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10940 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10941 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party called in to make a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10943 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10944 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired on HAZ insurance. Servicer transfer the call to insurance department borrower inquired about the lender place insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10946 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10947 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and requested for escrow removal.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10948 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10949 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired about the hazard insurance and call was transferred to insurance department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10950 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10951 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10952 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Talked to borrower regarding escrow payment. Payment increased due to higher insurance premiums. Escrow shortage also contributed to the increase. Borrower may pay the shortage in full before the effective date or keep it spread over XX months. Even if the shortage is paid in full, the monthly payment will still be higher than before because the insurance cost increased.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10953 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10954 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and requested a new analysis to be completed. The borrower paid the shortage and requested the analysis to be rerun. Provided the required information and confirmed that the payment has already been updated.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10955 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10956 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to inquire about insurance being escrowed. Borrower stated a switch to new homeowners insurance and wanted to ensure we have the correct insurance information. Advised borrower that a payment was made on XX/XX/XXXX. Borrower confirmed this is the correct insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10957 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to inquire about taxes. Borrower wanted to follow up to ensure all information previously sent was received. Advised borrower that it appears the matter was taken care of on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10958 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called and inquiry regarding the escrow removal letter. The letter advises that the customer has the option to either remove escrow and make payments independently or keep the escrow account. The customer confirmed that would like to keep the escrow in place.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
| XXXX | XXXX | CMLTI 2026-1-10959 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |

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## Exhibit 99.1

[CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G](cmlti-abs15g.htm)

**Exhibit 99.1 - Schedule 6(b)**

![](situsamc-logo.jpg)

**Exception Standard Report (Loan Grades)**

**Run Date - 6/2/2026 4:03:21 PM** 

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **EDGAR ID** | **Loan Exception ID** | **Exception ID** | **Investor Loan Number** | **Loan Status** | **Exception Date** | **Exception Subcategory** | **Exception Status** | **Exception Status Change Date** | **Exception Grade** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Statute of Limitation Date** | **Comments** |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10001 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10009 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10010 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10011 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10012 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10013 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10014 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10015 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10018 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10020 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10024 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10029 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10033 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10036 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10042 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10048 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10054 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10059 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10062 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10065 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10066 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10072 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10073 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10078 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10079 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10083 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10091 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10093 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10100 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10101 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10103 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10108 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10115 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10116 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10117 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10121 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10122 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10126 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10136 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10139 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10141 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10144 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10146 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10151 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10152 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10157 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10158 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10159 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10161 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10163 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10166 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10167 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10169 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10174 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10185 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10187 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10200 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10202 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10204 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10218 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10224 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10227 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10230 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10233 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10234 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10244 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10248 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10249 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10251 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10254 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10255 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10258 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10261 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10262 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10264 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10267 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10269 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10273 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10274 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10276 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10282 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10284 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10286 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10289 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10292 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10294 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10295 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10302 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10303 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10309 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10310 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10312 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10313 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10315 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10318 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10326 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10328 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10334 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10337 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10338 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10341 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10342 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10345 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10348 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10353 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10354 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10362 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10365 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10375 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10376 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10382 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10383 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10384 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10385 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10387 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10388 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10389 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10390 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10393 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10399 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10400 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10401 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10406 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10409 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10411 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10414 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10417 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10419 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10425 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10426 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10427 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10428 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10430 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10431 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10433 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10435 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10437 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10442 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10445 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10452 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10453 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10456 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10458 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10464 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10470 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10472 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10476 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10477 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10478 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10482 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10483 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10484 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10487 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10488 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10492 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10495 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10507 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10508 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10509 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10517 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10524 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10527 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10530 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10537 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10540 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10541 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10542 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10543 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10546 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10548 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10550 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10552 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10558 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10559 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10560 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10566 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10567 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10569 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10570 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10573 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10576 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10577 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10581 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10586 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10589 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10590 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10591 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10592 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10594 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10596 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10599 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10601 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10602 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10608 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10612 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10613 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10616 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10621 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10622 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10626 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10631 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10632 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10637 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10638 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10642 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10644 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10645 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10646 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10649 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10652 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10657 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10658 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10659 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10668 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10672 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10675 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10676 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10680 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10681 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10683 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10684 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10685 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10686 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10689 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10690 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10695 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10696 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10699 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10703 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10704 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10706 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10708 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10709 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10710 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10712 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10713 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10715 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10718 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10720 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10722 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10724 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10725 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10727 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10728 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10730 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10731 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10732 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10733 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10734 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10735 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10736 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10737 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10739 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10740 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10741 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10742 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10744 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10745 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10746 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10749 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10750 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10751 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10752 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10754 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10756 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10757 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10758 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10759 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10760 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10761 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10762 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10767 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10768 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10769 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10771 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10772 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10773 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10774 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10776 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10777 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10778 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10779 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10780 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10781 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10782 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10785 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10787 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10788 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10790 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10791 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10792 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10793 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10794 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10795 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10796 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10798 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10799 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10800 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10801 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10803 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10804 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10805 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10806 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10807 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10808 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10809 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10811 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10812 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10813 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10814 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10815 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10817 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10819 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10822 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10823 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10824 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10825 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10827 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10828 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10829 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10830 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10831 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10832 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10833 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10835 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10836 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10837 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10838 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10839 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10840 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10842 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10843 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10845 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10846 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10847 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10848 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10849 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10850 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10854 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10855 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10856 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10857 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10858 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10859 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10860 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10861 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10862 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10864 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10865 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10867 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10868 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10870 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10871 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10872 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10874 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10877 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10879 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10880 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10881 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10882 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10883 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10884 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10886 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10887 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10888 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10889 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10890 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10892 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10893 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10895 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10896 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10897 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10898 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10900 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10901 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10902 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10904 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10905 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10906 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10907 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10909 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10910 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10911 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10912 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10913 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10915 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10916 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10917 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10918 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10919 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10920 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10921 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10923 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10926 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10927 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10929 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10932 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10933 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10934 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10936 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10937 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10938 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10941 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10943 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10944 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10947 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10949 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10950 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10951 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10952 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10956 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10957 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10958 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | CMLTI 2026-1-10959 | XXXX | XXXX |  | Loan Review Complete | XXXX | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |

---

## Exhibit 99.1

[CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G](cmlti-abs15g.htm)

**Exhibit 99.1 - Schedule 7(a)**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **EDGAR LOAN ID** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Critical Defect** | **SMtg Open** | **Address Variation** | **Origination Vesting** | **Current Vesting** | **SMtg First Position Mortgage** | **Prior Lien / Judgment** | **Municipal Lien** | **Association Super Lien** | **Property Tax Lien** | **Property Tax Status** | **SMtg Lien Position (Mortgages)** | **Critical Exception Count** | **Prior Mortgage Exception Count** | **Prior Mortgage Exception Total** | **Prior Mortgage Exception Details** | **Prior Lien Exception Count** | **Prior Lien Exception Total** | **Prior Lien Exception Details** | **Municipal Lien Exception Count** | **Municipal Lien Exception Total** | **Municipal Lien Exception Details** | **Property Tax Lien Exception Count** | **Property Tax Lien Exception Total** | **Property Tax Lien Exception Details** | **Association Lien Exception Count** | **Association Lien Exception Total** | **Association Lien Exception Details** | **IRS Lien Exception Count** | **IRS Lien Exception Total** | **IRS Lien Exception Details** | **Deed Vesting Exception Categories** | **Property Tax Status Issue** | **DQ Property Tax Amount** | **Property Tax Status Details** | **Final Event Level** | **Title Exceptions** | **Title Comments** |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10955 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10922 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10925 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10959 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10948 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 2 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party<br>Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10908 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Subordinate Mortgage<br>Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10943 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10912 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10852 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10856 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10946 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10840 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10904 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10769 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10809 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10886 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10815 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10915 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10891 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10831 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10865 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Mortgage<br>Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10914 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10772 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10816 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10751 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10802 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10801 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10835 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10954 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10858 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10866 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10836 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10813 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10890 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10711 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10726 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10705 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10909 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust | Tax Report Not Available |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10848 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10211 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10723 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10874 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10861 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10749 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10818 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10791 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage<br>Subordinate Mortgage<br>Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10703 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10700 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10204 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10721 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10825 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10702 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10763 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10698 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 3 | Transferred to Land Trust<br>Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10883 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10691 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10877 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10671 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10716 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10745 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10717 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10707 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10664 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10870 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10616 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10640 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10676 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10661 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10817 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10613 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10648 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10641 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10663 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10583 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10650 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10478 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10571 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10956 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10920 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10629 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 2 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes<br>Delinquent Property Taxes | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10655 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10812 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10932 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10626 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10610 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10595 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10598 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10784 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10593 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10603 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10682 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10646 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10615 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10624 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10643 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10941 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10636 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10618 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10623 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10582 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10559 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10560 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10785 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10566 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10585 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10600 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10776 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10575 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10565 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10581 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10811 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10606 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10553 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10826 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10532 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10683 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10578 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10539 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 25 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10544 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10586 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10527 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10814 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10554 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10673 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10463 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10601 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10579 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10597 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10506 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10659 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10732 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10540 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10502 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10496 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10511 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10531 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10519 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10528 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10537 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10523 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10518 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10669 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10931 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10556 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10634 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10533 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10614 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10589 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10490 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10680 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10421 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10434 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10929 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10474 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10508 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10459 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10468 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10591 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10485 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10875 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10509 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10918 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10612 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10576 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10620 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10448 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10681 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10467 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10489 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10395 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10652 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10497 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10621 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10786 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10513 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10367 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10381 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 1 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10706 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10361 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10429 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10512 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10495 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10420 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10562 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Subordinate Mortgage<br>Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10564 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10567 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10660 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10416 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10451 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10356 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10418 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10440 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10810 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10349 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10413 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10466 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10322 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10847 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Mortgage<br>Delinquent Property Taxes | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10387 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10380 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10555 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust | Tax Report Not Available |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10542 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust<br>Subordinate Liens/Judgments | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10358 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 2 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes<br>Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10510 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Subordinate Mortgage<br>Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10409 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10456 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10441 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10465 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10366 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10352 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10384 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10354 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10447 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10933 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10396 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 2 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Liens/Judgments<br>Association Lien - Non-Super Lien<br>Origination Vesting - Recording Order<br>Utility Lien | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10499 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10558 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10314 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10709 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10737 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10873 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10347 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10344 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10351 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10371 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10346 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10596 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10348 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10359 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10326 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 28 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10938 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10484 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Mortgage<br>Delinquent Property Taxes | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10289 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10267 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10609 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10713 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10482 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10331 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10340 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10548 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10328 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10398 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10312 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10324 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10301 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10287 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10699 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10724 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10378 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10383 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10292 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10481 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10365 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Mortgage<br>Delinquent Property Taxes | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10520 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10364 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10303 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Liens/Judgments<br>Association Lien - Non-Super Lien<br>Delinquent Property Taxes | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10315 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10288 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10316 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10427 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust | Delinquent | XXXX | XXXX | 3 | Transferred to Land Trust<br>Delinquent Property Taxes | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10337 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10454 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Association Lien - Non-Super Lien | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10277 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10587 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10306 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10273 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10262 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10276 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10206 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10248 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10309 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10266 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10608 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10445 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10260 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10298 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10263 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10242 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10270 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust | Tax Report Not Available |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10350 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust<br>Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10265 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10245 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10278 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10307 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10251 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10249 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10261 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10252 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10244 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10239 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10299 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10175 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 31 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10254 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10232 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10240 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10222 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10494 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10325 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10202 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10225 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10224 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 23 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10199 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10470 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10334 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust | Delinquent | XXXX | XXXX | 3 | Transferred to Land Trust<br>Delinquent Property Taxes | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10208 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10300 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10507 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10213 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10200 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10417 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10269 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10196 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10184 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10488 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10411 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10259 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10207 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10216 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10187 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10345 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10194 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10195 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust | Tax Report Not Available |  |  | 2 | Transferred to Land Trust<br>Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10223 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Association Lien - Non-Super Lien | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10192 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10153 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10237 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10446 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10188 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10235 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10233 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10182 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10186 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10174 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10125 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10297 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10228 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10138 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10491 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10134 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10142 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10197 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage<br>Prior Lien - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10152 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10123 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10135 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10149 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 23 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10146 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10226 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10264 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10256 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10145 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10144 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10319 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10139 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10170 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10166 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10238 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10165 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10362 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10127 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10173 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10131 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10154 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10136 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10594 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10106 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10118 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10107 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10094 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10611 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10117 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10129 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10114 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10112 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage<br>Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10119 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10177 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10082 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10103 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10453 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10375 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10096 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10090 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10122 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10079 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10099 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10155 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10075 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10077 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10092 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10076 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10083 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10064 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10167 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10084 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10158 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10212 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10067 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10078 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10070 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10071 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10066 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10065 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10141 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10059 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10074 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10073 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10515 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10039 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10148 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10376 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10042 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 23 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10045 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10041 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10068 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10049 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10255 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10085 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10033 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10185 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 23 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10063 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10775 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10032 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage<br>Prior Lien - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10027 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10024 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10051 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10046 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10069 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10036 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust<br>Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10108 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10019 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10038 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10015 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10023 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10029 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10017 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10016 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 3 | Transferred to Land Trust<br>Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10428 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10030 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 24 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10005 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10004 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10009 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10008 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10001 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10006 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10012 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Fail | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Property Address Discrepancy<br>Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10003 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10047 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10002 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust | Tax Report Not Available |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10712 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10906 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10638 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10898 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10781 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10754 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10645 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10828 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust | Tax Report Not Available |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10838 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10805 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10913 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10952 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10824 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10888 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10796 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party | Tax Report Not Available |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10761 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10905 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10819 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage<br>Prior Lien - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10950 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10401 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10767 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10830 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10487 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Lien - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10689 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10799 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10731 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10642 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10947 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10949 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust | Tax Report Not Available |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10880 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10708 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10477 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10837 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10900 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10759 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10476 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10936 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10234 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10930 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10903 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10923 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10901 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10940 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10894 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage<br>Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10958 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10871 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10935 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10851 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10841 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10867 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10822 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10887 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10927 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10921 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10957 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10926 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10782 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10859 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10735 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10764 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10789 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10862 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10753 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10740 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10752 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10736 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10854 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10839 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10855 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10857 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10919 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10748 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10765 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10827 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10386 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10934 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10762 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10743 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10907 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10729 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10928 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage<br>Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10693 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10701 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Property Address Discrepancy<br>Delinquent Property Taxes | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10804 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10911 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10627 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10719 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10695 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10678 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10800 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10685 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10667 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10808 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10924 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10807 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10834 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10792 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10628 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10846 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10653 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10778 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10798 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10803 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10651 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10889 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10895 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10860 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10794 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10635 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10881 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10893 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10777 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10656 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10647 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10535 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10780 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10599 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10850 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX | 02/20/2026 | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10572 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10687 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10730 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10552 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10917 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX | 02/20/2026 | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10605 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10580 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Subordinate Mortgage<br>Subordinate Mortgage<br>Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10619 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10739 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10561 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10742 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10892 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10568 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10686 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10501 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Mortgage<br>Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10868 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10574 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10584 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10644 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10662 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10517 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10541 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10770 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10469 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10849 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10592 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10774 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10864 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10551 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10545 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust | Tax Report Not Available |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10522 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10546 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10788 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10498 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10549 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10503 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10677 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10538 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Prior Lien - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10483 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10832 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage<br>Subordinate Liens/Judgments | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10521 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10951 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10475 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Inter-Family Deed Transfer<br>Subordinate Liens/Judgments | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10426 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10425 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10505 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10722 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10821 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10493 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10514 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Subordinate Mortgage<br>Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10457 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10460 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10718 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10439 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10884 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10744 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10882 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10471 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10444 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10486 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10412 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10443 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10760 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10388 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10472 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10437 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10410 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10714 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10408 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10843 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10442 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10169 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 23 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10389 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10534 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10479 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10403 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10569 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10492 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10458 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Property Tax Lien | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10379 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10357 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10675 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10577 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10570 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10360 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10433 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10404 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10607 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10649 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10330 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10452 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10321 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10768 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10399 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10674 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10524 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage<br>Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10530 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10424 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10725 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10704 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10423 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10432 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10668 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10393 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10353 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10385 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10414 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10374 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10355 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10897 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10369 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10658 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10672 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10690 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10419 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10696 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10684 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10370 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10329 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10573 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10407 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10415 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10373 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10320 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10291 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10431 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10372 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10525 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10543 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10317 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10368 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10342 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10283 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10464 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10899 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10944 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10318 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10217 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10275 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10271 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10313 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10282 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10310 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10305 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10323 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10302 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10343 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10227 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10336 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10243 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10247 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10435 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10257 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10382 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10332 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10236 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10335 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10230 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10250 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10617 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10258 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10516 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Lien - Title Policy Coverage<br>Prior Lien - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10338 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Subordinate Mortgage<br>Transferred to Third Party | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10279 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10215 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10590 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10284 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10390 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust | Tax Report Not Available |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10181 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10294 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10218 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10231 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 3 | Transferred to Land Trust<br>Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10180 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Inter-Family Deed Transfer | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10159 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10394 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10844 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10147 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 26 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10214 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10341 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10161 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10274 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10157 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10143 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10402 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10272 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10171 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10151 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10140 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage<br>Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10937 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10285 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10203 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10126 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10115 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10779 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10163 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10128 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10430 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10110 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10406 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10113 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10219 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10101 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10121 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10088 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10072 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10602 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Missing Interest | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10091 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10086 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10130 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10056 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10060 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10116 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10295 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 29 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10105 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10104 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10150 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10062 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust<br>Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10756 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10058 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 3 | Subordinate Mortgage<br>Subordinate Mortgage<br>Transferred to Land Trust<br>Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10229 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10054 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10093 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10198 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10050 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10449 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Association Lien - Non-Super Lien | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10097 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10137 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Recording Order | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10048 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10100 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10095 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10014 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10124 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10013 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10018 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 23 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10020 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10010 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10011 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10172 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10902 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10793 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10773 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10790 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10657 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10795 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10842 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10758 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10872 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10715 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10806 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10833 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10746 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10910 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10879 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10733 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10728 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10734 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10916 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10637 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10720 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10400 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10787 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10550 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Lien - Title Policy Coverage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10757 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10771 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10631 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10727 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10823 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10896 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10750 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10741 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10829 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10710 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10632 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10845 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10622 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10286 | XXXX | XXXX | XX | XXXX | XXXXX | XXXX | XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |

---

## Exhibit 99.1

[CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G](cmlti-abs15g.htm)

**Exhibit 99.1 - Schedule 7(b)**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **EDGAR Loan IDs** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **SOL Expired** | **SOL Expiration Date** | **Title Policy** | **Title Policy Insurer** | **Title Policy Effective Date** | **Title Policy Exception** | **Paid on HUD** | **CBR Status** | **Borrower Vested on Title Policy** | **Lien Amount** | **Accrual Rate** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10922 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10959 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10948 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10948 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10908 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10908 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10852 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Commitment | XXXX |  | UTD |  |  | UTD |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10769 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10815 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10891 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10891 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10831 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10865 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10865 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10802 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10836 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10813 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10726 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10705 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10909 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10749 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10791 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | No | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10791 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10791 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10204 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10698 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10698 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10716 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10745 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10707 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Final | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10640 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10661 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10817 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10613 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10663 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10478 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10666 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10629 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10629 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10812 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | No | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10595 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10598 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10593 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10615 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10624 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10941 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10582 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10566 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10578 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10539 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10463 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Final | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10659 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10502 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10496 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10528 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Final | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10518 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10589 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10918 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10620 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10652 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10497 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10513 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10562 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Final | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10562 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10416 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10440 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10349 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Final | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10847 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10847 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10555 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10542 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10542 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10358 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10358 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10510 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10510 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10441 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10366 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10352 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10354 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10396 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10396 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10396 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10396 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10596 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10326 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10484 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10484 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10267 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10398 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10324 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10287 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10699 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10724 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10378 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10365 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10365 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10303 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10303 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10303 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10316 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10427 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10427 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10454 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10454 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10273 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10206 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10248 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10309 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10260 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10270 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10350 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10350 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10265 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10245 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Final | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10307 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10261 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10252 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10244 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10299 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10232 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10202 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10470 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10334 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10334 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10507 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10213 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10216 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10345 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10194 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10195 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10195 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10223 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10223 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10192 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10237 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10233 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10182 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10186 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10174 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10228 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10228 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10138 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10197 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | UTD | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10197 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Lien - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | UTD |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10123 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10226 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10264 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10256 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10144 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10238 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10107 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10611 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10114 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10112 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10112 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10119 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10090 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10122 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10083 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10158 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10078 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10070 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10071 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10074 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10039 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10376 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10045 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10041 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10049 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10255 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10185 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10775 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10032 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10032 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Lien - Title Policy Coverage | Yes |  | Short | XXXX | XX/XX/XXXX | No | UTD |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10051 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10069 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10036 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10036 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10108 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10017 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10016 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10016 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10005 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10012 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10012 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Final | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10047 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10000 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10906 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10828 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10796 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10819 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10819 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Lien - Title Policy Coverage | Yes |  | Short | XXXX | XX/XX/XXXX | No | No |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10487 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Lien - Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | No | No |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10949 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10708 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | Yes | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10476 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10894 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10894 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10851 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10841 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10867 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10887 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | Yes |  | Final | XXXX | XX/XX/XXXX | No | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10921 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | No | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10764 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10839 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10748 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10907 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10928 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10928 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10701 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10701 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10627 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10695 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | Yes | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10800 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | No | No | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10651 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10529 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10635 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10881 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10605 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10580 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10580 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10580 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10561 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10742 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10686 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10501 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10501 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10662 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10517 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10551 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10545 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10522 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10546 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10473 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10677 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10538 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Lien - Title Policy Coverage | Yes |  | Short | XXXX | XX/XX/XXXX | No | No |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10832 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10832 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10475 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Inter-Family Deed Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10475 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10514 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10514 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10460 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10797 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10444 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10486 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10410 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10534 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10479 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10458 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Property Tax Lien | Property Tax Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10404 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10649 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10330 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10399 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10674 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10524 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10524 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10424 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10668 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10374 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10672 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | Yes | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10415 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10372 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10368 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10283 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10391 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10899 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | Yes | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10217 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10282 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10323 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10302 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | No | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10247 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10257 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10257 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10335 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10516 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Lien - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | UTD |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10516 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Lien - Title Policy Coverage | Yes |  | Short | XXXX | XX/XX/XXXX | No | UTD |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10338 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10338 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10390 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10294 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10218 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10231 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10231 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10180 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10193 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Inter-Family Deed Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10147 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10272 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10171 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | Yes | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10140 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10140 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10126 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10115 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10110 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10121 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | No | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10088 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Final | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10072 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | No | No | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10602 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Missing Interest |  |  | Final | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10091 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | No | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10056 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10060 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Final | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10105 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10150 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10062 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10062 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10756 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10058 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10058 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10058 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10058 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10449 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10449 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10097 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10137 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Recording Order |  |  | Short | XXXX | XX/XX/XXXX | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10014 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10124 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10793 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10910 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10733 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10400 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10787 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10550 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Lien Priority | Prior Lien - Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | No | No |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10771 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10727 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10750 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10710 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10622 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |

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## Exhibit 99.1

[CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G](cmlti-abs15g.htm)

**Exhibit 99.1 - Schedule 8(a)**

![](situsamc-logo.jpg)

**Loan Level Exception - Final Grades (Loan Grades)**

**Run Date - 6/2/2026 4:10:21 PM** 

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Edgar ID** | **Borrower Name** | **Deal Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Disposition 2** |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10832 | XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 3 | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $361,552.07 is underdisclosed from calculated Finance Charge of $361,767.07 in the amount of $215.00.<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine cause of under disclosure due to missing itemization of amount financed. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10922 | XXXX | XXXX | $XXX | XX | XX/XX/XXXX | UTD | UTD UTD |  | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home): Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees Test: No evidence of application date located in file. Compliance tests were run using an application date of XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  | Indeterminable D |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10951 | XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 3 | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10881 | XXXX | XXXX | $XXX | XX | XX/XX/XXXX | UTD | UTD UTD |  | 3 | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home): Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Indeterminable D |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10941 | XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Refinance Rate/Term |  | 3 | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $300,395.46 is underdisclosed from calculated Finance Charge of $300,655.46 in the amount of $260.00.<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XXXX used as disbursement date for compliance testing. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine cause of under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10850 | XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  | - B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10724 | XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  | - B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10917 | XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 1 | 1 |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE and HUD 10% Fees without a cure due to missing information.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block 1/HUD 801 Fees without a cure due to missing information.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block 2/HUD 802 Fees without a cure due to missing information.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block 8/HUD 1203 Transfer Tax Fees without a cure due to missing information.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block A/HUD 803 Fees without a cure due to missing information.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: Unable to test GFE Estimate Available Through Date due to missing information.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: Unable to determine if the Good Faith Estimate column on page 3 of the Final HUD-1 is accurate as compared to the most recently disclosed Good Faith Estimate due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Incorrect GFE Form Used: RESPA (2010) - Good Faith Estimate not on the proper 2010 GFE form.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: Unable to determine if the Good Faith Estimate was provided due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: Unable to determine if the Final GFE indicates the loan contains an escrow payment due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: Unable to determine if the Final GFE reflects the actual interest rate due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: Unable to determine if the Final GFE reflects the actual Loan Amount due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Loan Term on Final GFE Inaccurate: Unable to determine if the Final GFE reflects the actual Loan Term due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: Unable to determine if the Final GFE reflects the actual payment due to missing information.<br> [2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: Unable to determine if the HUD-1 column on page 3 of the Final HUD-1 is accurate as compared to the charges on page 2 of the disclosure due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 indicates the loan contains an escrow payment due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual interest rate due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual Loan Amount due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Loan Term on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual Loan Term due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual payment due to missing information.<br> [2] Federal Compliance - RESPA - Incorrect HUD-1 Form Used: Unable to determine if the Final HUD-1 Settlement Statement is on the proper 2010 form due to missing information.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Incorrect GFE Form Used: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Term on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Term on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Incorrect HUD-1 Form Used: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10944 | XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 3 | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $65,397.97 is underdisclosed from calculated Finance Charge of $65,819.44 in the amount of $421.47.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10478 | XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | - B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10586 | XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase |  | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | - B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10938 | XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 3 | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $63,275.47 is underdisclosed from calculated Finance Charge of $63,396.61 in the amount of $121.14.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine cause of under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10897 | XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 3 | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $99,846.07 is underdisclosed from calculated Finance Charge of $99,988.02 in the amount of $141.95.<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.<br> [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees. |  | TILA SOL Expired B |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10844 | XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase |  | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Liability appears to be limited to originators/licensees. |  | - B |

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## Exhibit 99.1

[CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G](cmlti-abs15g.htm)

**Exhibit 99.1 - Schedule 8(b)**

![](situsamc-logo.jpg)

**Exception Grades**

**Run Date - 6/2/2026 4:10:21 PM**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Edgar ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Credit<br> Final Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10832 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10832 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10832 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10832 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $361,552.07 is underdisclosed from calculated Finance Charge of $361,767.07 in the amount of $215.00. | Unable to determine cause of under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B | B |  |  |  | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10922 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10922 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10922 | XXXX | XXXX | XX/XX/XXXX | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10922 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10922 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home) | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10922 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10922 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10922 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10922 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10922 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10922 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D |  |  |  | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10922 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10951 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10951 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10951 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10881 | XXXX | XXXX | XX/XX/XXXX | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10881 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10881 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10881 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10881 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home) | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10881 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10881 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10881 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | UTD | UTD - UTD | No Defined Cure | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10881 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | UTD | UTD - UTD | No Defined Cure | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10881 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D |  |  |  | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10881 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | UTD | UTD - UTD | D | D |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10941 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10941 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $300,395.46 is underdisclosed from calculated Finance Charge of $300,655.46 in the amount of $260.00. | Unable to determine cause of under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Second Home | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B | B |  |  |  | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10850 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10724 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE and HUD 10% Fees without a cure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B | B |  |  |  | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 801) Without Cure | Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block 1/HUD 801 Fees without a cure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B | B |  |  |  | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block 2/HUD 802 Fees without a cure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B | B |  |  |  | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block 8/HUD 1203 Transfer Tax Fees without a cure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B | B |  |  |  | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block A/HUD 803 Fees without a cure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B | B |  |  |  | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | Unable to test GFE Estimate Available Through Date due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | Unable to determine if the Good Faith Estimate column on page 3 of the Final HUD-1 is accurate as compared to the most recently disclosed Good Faith Estimate due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Incorrect GFE Form Used | RESPA (2010) - Good Faith Estimate not on the proper 2010 GFE form. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | Unable to determine if the Final GFE indicates the loan contains an escrow payment due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | Unable to determine if the Final GFE reflects the actual interest rate due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | Unable to determine if the Final GFE reflects the actual Loan Amount due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Term on Final GFE Inaccurate | Unable to determine if the Final GFE reflects the actual Loan Term due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | Unable to determine if the Final GFE reflects the actual payment due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | Unable to determine if the HUD-1 column on page 3 of the Final HUD-1 is accurate as compared to the charges on page 2 of the disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 indicates the loan contains an escrow payment due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 reflects the actual interest rate due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 reflects the actual Loan Amount due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Term on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 reflects the actual Loan Term due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 reflects the actual payment due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Incorrect HUD-1 Form Used | Unable to determine if the Final HUD-1 Settlement Statement is on the proper 2010 form due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | Unable to determine if the borrower received a list of service providers due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | Unable to determine if the Good Faith Estimate was provided due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10953 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B | B |  |  |  | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10944 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10944 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10944 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $65,397.97 is underdisclosed from calculated Finance Charge of $65,819.44 in the amount of $421.47. | Unable to determine under disclosure due to missing Itemization of Amount Financed |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B | B |  |  |  | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10478 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10478 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10478 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10478 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10586 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10586 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10586 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10938 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10938 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10938 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) B | B |  |  |  | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10938 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $63,275.47 is underdisclosed from calculated Finance Charge of $63,396.61 in the amount of $121.14. | Unable to determine cause of under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B | B |  |  |  | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10897 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10897 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) B | B |  |  |  | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10897 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $99,846.07 is underdisclosed from calculated Finance Charge of $99,988.02 in the amount of $141.95. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 3 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B | B |  |  |  | Yes |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10844 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10844 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10844 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10844 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10844 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10844 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B | B |  |  |  | No |
| XXXX | XXXX | XXXX | CMLTI 2026-1-10844 | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B | B |  |  |  | No |

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