# EDGAR Filing Document

**Accession Number:** 0001991364
**File Stem:** 0001999371-25-018531
**Filing Date:** 2025-11
**Character Count:** 773882
**Document Hash:** e8cf2da2780ae667f50f93accb94aad0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-018531.hdr.sgml**: 20251124

**ACCESSION NUMBER**: 0001999371-25-018531

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

**PUBLIC DOCUMENT COUNT**: 23

**CONFORMED PERIOD OF REPORT**: 20251124

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

**FILED AS OF DATE**: 20251124

**DATE AS OF CHANGE**: 20251124

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06667
- **FILM NUMBER:** 251513731

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

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

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

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

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

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

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

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

**FORM ABS-15G**

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

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

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

Date of Report (Date of earliest event reported) ______________________

Commission File Number of securitizer: ______________________

<br> Central Index Key Number of securitizer: ______________________

___________________________________________________________________________

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

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

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

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

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

Central Index Key Number of depositor: 0001991364

**Chase Home Lending Mortgage Trust 2025-13**

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

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

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

**Bithun John, (212) 834-4890**

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

**INFORMATION TO BE INCLUDED IN THE REPORT**

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

N/A

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

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

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

 **SIGNATURE**

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

Date: November 24<u>,</u> 2025

---

| | |
|:---|:---|
| **J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP.** | **J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP.** |
| (Depositor) | (Depositor) |
| By: | /s/ Bithun John |
| Name: | Bithun John |
| Title: | President |

---

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Pool 1 Executive Summary |
| [99.2](ex99-2.htm) | AMC Pool 1 Rating Agency Grades |
| [99.3](ex99-3.htm) | AMC Pool 1 Exception Grades |
| [99.4](ex99-4.htm) | AMC Pool 1 Valuation Summary |
| [99.5](ex99-5.htm) | AMC Pool 1 Data Compare Summary (Total) |
| [99.6](ex99-6.htm) | AMC Pool 1 Data Compare |
| [99.7](ex99-7.htm) | AMC Pool 2 Executive Summary |
| [99.8](ex99-8.htm) | AMC Pool 2 Rating Agency Grades |
| [99.9](ex99-9.htm) | AMC Pool 2 Exception Grades |
| [99.10](ex99-10.htm) | AMC Pool 2 Valuation Summary |
| [99.11](ex99-11.htm) | AMC Pool 2 Data Compare Summary (Total) |
| [99.12](ex99-12.htm) | AMC Pool 2 Data Compare |
| [99.13](ex99-13.htm) | AMC Pool 3 Executive Summary |
| [99.14](ex99-14.htm) | AMC Pool 3 Rating Agency Grades |
| [99.15](ex99-15.htm) | AMC Pool 3 Exception Grades |
| [99.16](ex99-16.htm) | AMC Pool 3 Valuation Summary |
| [99.17](ex99-17.htm) | AMC Pool 3 Data Compare Summary (Total) |
| [99.18](ex99-18.htm) | AMC Pool 3 Data Compare |

---

## Exhibit 99.1

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

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

The loans in the Review carried origination dates of June 2025 to July 2025.

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

The Review was conducted on a total population of six (6) loans. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

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

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

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

---

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

---

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

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

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

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

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

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![](ex991001.jpg)

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

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

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

**DU/LP/Turbo Review** 

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

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

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

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

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

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![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

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![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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![](ex991001.jpg)

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 TIL;

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

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

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

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

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

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**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL REVIEW RESULTS SUMMARY**

There were six (6) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, two (2) loans had an Overall loan grade of "A", and four (4) loans had an Overall loan grade of "B".

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| &nbsp;&nbsp;**Exception**<br> **Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;2 | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;2 | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;2 | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**9** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;2 | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;2 | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**10** |

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**COMPLIANCE RESULTS SUMMARY**

Of the six (6) loans reviewed, under the applicable NRSRO grading criteria, two (2) loans had a Compliance Review "A" grade, and four (4) loans had a Compliance Review grade of "B".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the six (6) loans reviewed, under the applicable NRSRO grading criteria, all the loans had a Property Review "A" grade.

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**CREDIT REVIEW RESULTS SUMMARY**

Of the six (6) loans reviewed, under the applicable NRSRO grading criteria, five (5) loans had a Credit Review "A" grade, and one (1) loan had a Credit Review grade of "B".

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the six (6) mortgage loans reviewed, one (1) (16.67%) mortgage loan had a tape discrepancy across one (1) unique data field. The tape discrepancy was Initial Rate Lock Date (16.67%).

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**148** | &nbsp;&nbsp;**0.68%** | &nbsp;&nbsp;**6** |

---

---

| | |
|:---|:---|
| 12 | &nbsp;&nbsp;P a g e |

---

![](ex991001.jpg)

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**TPR Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$7958300.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$7958300.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$7958300.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$7958300.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$7958300.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$7958300.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;5 | &nbsp;&nbsp;83.33% | &nbsp;&nbsp;$7135300.00 | &nbsp;&nbsp;89.66% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$823000.00 | &nbsp;&nbsp;10.34% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$7958300.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$7958300.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$7958300.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;4 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$5880300.00 | &nbsp;&nbsp;73.89% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;2 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$2078000.00 | &nbsp;&nbsp;26.11% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$7958300.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | |
|:---|:---|
| 13 | &nbsp;&nbsp;P a g e |

---

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$7958300.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$7958300.00** | &nbsp;&nbsp;**100.00%** |

---

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

**EXCEPTION DETAIL**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Exception** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;1 |

---

---

| | |
|:---|:---|
| 14 | &nbsp;&nbsp;P a g e |

---

## Exhibit 99.2

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 11/13/2025 10:54:51 AM** | **Run Date - 11/13/2025 10:54:51 AM** | **Run Date - 11/13/2025 10:54:51 AM** | **Run Date - 11/13/2025 10:54:51 AM** | **Run Date - 11/13/2025 10:54:51 AM** | **Run Date - 11/13/2025 10:54:51 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| XXXX |  | 3158619887 |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619946 |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620183 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620188 |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620191 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620200 |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |

---

## Exhibit 99.3

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 11/13/2025 10:54:51 AM** | **Run Date - 11/13/2025 10:54:51 AM** | **Run Date - 11/13/2025 10:54:51 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **DBRS Final Exception Rating** | **Fitch Initial Exception Rating** | **Fitch Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **S&P Initial Exception Rating** | **S&P Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Overall<br> Initial Loan Grade** | **Overall<br> Final Loan Grade** | **Credit<br> Initial Loan Grade** | **Credit<br> Final Loan Grade** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX |  | 3158619887 |  | 34333468 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CO | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619887 |  | 34333462 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. |  |  |  | Reviewer Comment (2025-09-03): appraisal receipt by borrower has been received<br>Buyer Comment (2025-09-03): See attached Appraisal receipt. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CO | Primary | Purchase |  | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619946 |  | 34364164 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], based on hazard insurance coverage of $[Redacted], plus an Insurer's Replacement Cost Estimate of [Redacted]. for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. |  |  |  | Reviewer Comment (2025-09-24): updated HOI coverage received and is now sufficient to meet guideline requirements<br>Buyer Comment (2025-09-24): Please review updated increased Ins coverage attached | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619946 |  | 34364176 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. |  |  |  | Reviewer Comment (2025-09-09): proof of appraisal delivery received<br>Buyer Comment (2025-09-09): Please review uploaded proof of appraisal delivery. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | IL | Primary | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619946 |  | 34376199 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-08): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | IL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620183 |  | 34371625 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Amount Financed disclosed on Final Closing Disclosure is $[Redacted]. Due Diligence Finance Charge is $[Redacted]. There is a variance of $[Redacted]. Discrepancy is caused by exclusion of the following fee(s) from lender's calculation: Title - City Transfer Stamp Courier ($[Redacted]). |  |  |  | Reviewer Comment (2025-09-23): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-09-23): Please see PCCD and Refund to the customer<br>Reviewer Comment (2025-09-18): The tax stamp pick up / courier fee would be a finance charge as it does not meet the criteria / definition for exclusion under 1026.4(c)(7) and while the stamp tax paid to a government entity is excluded from finance charges, the cost of the courier service to pick up the tax stamps is not excluded. Also note, rebuttal indicates charge is not associated with mortgage transaction and would be paid on a comparable cash transaction, however, fee is disclosed on the CD in Section C of the loan costs section which, under 1026.38(f) are for "loan costs associated with the transaction" and "services and corresponding costs for each of the settlement services required by the creditor for which the consumer shopped. Under 1026.4, third party or closing agent charges for services required by the creditor or when creditor requires use of a third party are finance charges. If use of a title courier was optional and borrower could pick up tax stamps without use of courier, fee would be disclosed in Section H as an optional service.<br>Buyer Comment (2025-09-17): Please see e-mail from title saying that this fee was for title picking up the tax stamp for the borrower.<br>Reviewer Comment (2025-09-15): [Redacted] received rebuttal that title-City Transfer Stamp Courier is not a APR fee. A transfer tax paid to a public official would not be an APR fee and appears this fee was charged and reflected in Section E. However, the courier fee would be finance charge. That it is a title fee does not omit it from finance charges, but the services provided determines if a finance charge. The fee was disclosed in Section C which indicates it was related to the extension of credit and was not disclosed in Section H as an optional borrower chosen fee. Additionally, a courier fee for the City Transfer Stamp is not a typical fee that would be charged in a comparable cash only transaction. Can provide a attestation from the title company that gives the specific services & purpose of this fee and confirm it was not lender required.<br>Buyer Comment (2025-09-12): Do Not Concur. [Redacted] is citing the City Transfer Stamp Courier Fee as needing to be included as a pre-paid fee in the finance charge calculation. This is a title fee but if this was a cash transaction not involving lender-related fees, the customer may still be responsible for the city transfer stamp fee and any associated courier fees. This fee is not directly tied to extending credit, this fee is essential outside of a mortgage transaction. |  | XXXX |  | 2 | C | B | C | B | C | B | C | B | C | B |  | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620183 |  | 34371626 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Amount Financed disclosed on Final Closing Disclosure is $[Redacted]. Due Diligence Finance Charge is $[Redacted]. There is a variance of $[Redacted]. Discrepancy is caused by exclusion of the following fee(s) from lender's calculation: Title - City Transfer Stamp Courier ($[Redacted]). |  |  |  | Reviewer Comment (2025-09-23): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-09-23): Please see PCCD and Refund to the customer<br>Reviewer Comment (2025-09-18): The tax stamp pick up / courier fee would be a finance charge as it does not meet the criteria / definition for exclusion under 1026.4(c)(7) and while the stamp tax paid to a government entity is excluded from finance charges, the cost of the courier service to pick up the tax stamps is not excluded. Also note, rebuttal indicates charge is not associated with mortgage transaction and would be paid on a comparable cash transaction, however, fee is disclosed on the CD in Section C of the loan costs section which, under 1026.38(f) are for "loan costs associated with the transaction" and "services and corresponding costs for each of the settlement services required by the creditor for which the consumer shopped. Under 1026.4, third party or closing agent charges for services required by the creditor or when creditor requires use of a third party are finance charges. If use of a title courier was optional and borrower could pick up tax stamps without use of courier, fee would be disclosed in Section H as an optional service.<br>Buyer Comment (2025-09-17): Please see e-mail from title saying that this fee was for title picking up the tax stamp for the borrower.<br>Reviewer Comment (2025-09-15): [Redacted] received rebuttal that title-City Transfer Stamp Courier is not a APR fee. A transfer tax paid to a public official would not be an APR fee and appears this fee was charged and reflected in Section E. However, the courier fee would be finance charge. That it is a title fee does not omit it from finance charges, but the services provided determines if a finance charge. The fee was disclosed in Section C which indicates it was related to the extension of credit and was not disclosed in Section H as an optional borrower chosen fee. Additionally, a courier fee for the City Transfer Stamp is not a typical fee that would be charged in a comparable cash only transaction. Can provide a attestation from the title company that gives the specific services & purpose of this fee and confirm it was not lender required.<br>Buyer Comment (2025-09-12): Do Not Concur. [Redacted] is citing the City Transfer Stamp Courier Fee as needing to be included as a pre-paid fee in the finance charge calculation. This is a title fee but if this was a cash transaction not involving lender-related fees, the customer may still be responsible for the city transfer stamp fee and any associated courier fees. This fee is not directly tied to extending credit, this fee is essential outside of a mortgage transaction. |  | XXXX |  | 2 | C | B | C | B | C | B | C | B | C | B |  | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620188 |  | 34379232 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted]. |  |  |  | Reviewer Comment (2025-09-23): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-09-23): Please see PCCD and Refund to the customer<br>Reviewer Comment (2025-09-23): SitusAMC received rebuttal on the tax stamp courier fee. Fee has been correctly disclosed in Section H on page 2, but SitusAMC also requires a Lender Attestation specifically indicating that: 1) tax stamp pick up service was "optional" (not required by title or lender) and 2) Borrower either requested the service or was made aware by lender or title that they have the option of not incurring a $[Redacted] cost by picking up the stamp themselves instead of using a courier and borrower elected to use a courier. Any supporting correspondence or notes with borrower on this should also be included if available.<br>Buyer Comment (2025-09-18): Please clarify, the CLAS fee as this title company calls it or in some instances a tax stamp courier fee is simply a fee paid for the tax stamp to be delivered to the title company so that they can record it with the docs, this is not the tax itself. This fee is a service for the customer so that they don't have to go get the stamps themselves, the customer could have done this.<br>Reviewer Comment (2025-09-17): In that case the fee should be disclosed in section E rather than section H which is used for "Other" fees. Please provide PCCD and LOE indicating the correct fee placement and Situs will re-test the transaction.<br>Buyer Comment (2025-09-16): Do Not Concur. This fee is for the delivery of the tax stamp which is needed if this was a cash transaction, this fee can not be tied directly to the extension of credit, this is needed if the customer were to purchase the property with cash as well, please see the e-mail from the title company verifying what this fee is.<br>Reviewer Comment (2025-09-15): The provided explanation would indicate the $[Redacted] should be considered as a recording service fee, which would indicate the fee should be tested as a finance charge. The fee is charged by the title company, and is loan cost, rather than an additional borrower chosen fee. Cure is required or further explanation on why the fee would fit under 1026.4(c)(7) fee exclusions.<br>Buyer Comment (2025-09-12): Do not Concur. AMC is including the section H CLAS processing fee as a prepaid fee. This fee should not be included as a prepaid fee. This fee is to the company Title used to pick up the city stamp for the buyers. It is a stamp that gets affixed to the Deed and is needed to record it. |  | XXXX |  | 2 | C | B | C | B | C | B | C | B | C | B |  | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620188 |  | 34379231 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]. |  |  |  | Reviewer Comment (2025-09-23): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-09-23): Please see PCCD and Refund to the customer<br>Reviewer Comment (2025-09-23): SitusAMC received rebuttal on the tax stamp courier fee. Fee has been correctly disclosed in Section H on page 2, but SitusAMC also requires a Lender Attestation specifically indicating that: 1) tax stamp pick up service was "optional" (not required by title or lender) and 2) Borrower either requested the service or was made aware by lender or title that they have the option of not incurring a $[Redacted] cost by picking up the stamp themselves instead of using a courier and borrower elected to use a courier. Any supporting correspondence or notes with borrower on this should also be included if available.<br>Buyer Comment (2025-09-18): Please clarify, the CLAS fee as this title company calls it or in some instances a tax stamp courier fee is simply a fee paid for the tax stamp to be delivered to the title company so that they can record it with the docs, this is not the tax itself. This fee is a service for the customer so that they don't have to go get the stamps themselves, the customer could have done this.<br>Reviewer Comment (2025-09-17): In that case the fee should be disclosed in section E rather than section H which is used for "Other" fees. Please provide PCCD and LOE indicating the correct fee placement and Situs will re-test the transaction.<br>Buyer Comment (2025-09-16): Do Not Concur. This fee is for the delivery of the tax stamp which is needed if this was a cash transaction, this fee can not be tied directly to the extension of credit, this is needed if the customer were to purchase the property with cash as well, please see the e-mail from the title company verifying what this fee is.<br>Reviewer Comment (2025-09-15): The provided explanation would indicate the $[Redacted] should be considered as a recording service fee, which would indicate the fee should be tested as a finance charge. The fee is charged by the title company, and is loan cost, rather than an additional borrower chosen fee. Cure is required or further explanation on why the fee would fit under 1026.4(c)(7) fee exclusions.<br>Buyer Comment (2025-09-12): Do not Concur. AMC is including the section H CLAS processing fee as a prepaid fee. This fee should not be included as a prepaid fee. This fee is to the company Title used to pick up the city stamp for the buyers. It is a stamp that gets affixed to the Deed and is needed to record it. |  | XXXX |  | 2 | C | B | C | B | C | B | C | B | C | B |  | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620188 |  | 34379003 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing copy of tax Verification. |  |  |  | Reviewer Comment (2025-09-12): REO documentation/information received<br>Buyer Comment (2025-09-12): [Redacted] is a co op<br>Buyer Comment (2025-09-12): [Redacted] | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620191 |  | 34366633 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]. |  |  |  | Reviewer Comment (2025-09-23): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-09-23): Please see PCCD and Refund to the customer<br>Reviewer Comment (2025-09-19): CA 2025 Notary Fee per document is $[Redacted]. While a notary fee itself (for notarial action) paid to a third party may be excluded from finance charge under 1026.4(c)(7), a signing fee or charge for "mobile" notary to come to borrower to conduct signing is not excluded from finance charge. Only flat amount for notarizing documents as authorized by law is excludable. See commentary under 1026.4(e)-3 below: 3. Notary fees. In order for a notary fee to be excluded under §1026.4(e)(1), all of the following conditions must be met: i. The document to be notarized is one used to perfect, release, or continue a security interest. ii. The document is required by law to be notarized. iii. A notary is considered a public official under applicable law. iv. The amount of the fee is set or authorized by law. If the fee disclosed represents a notary and signing fee lumped together, the total would be considered a finance charge unless it can be demonstrated which portion was allocated for which service. While notary fees (for notarial action) paid to a third party may be excluded from finance charge under 1026.4(c)(7), a signing fee would not be considered excludable. If this fee represents a notary and signing fee lumped together, the total would be considered a finance charge. Please provide an explanation for the purpose of the entire amount of the loan doc signing fee.<br>Buyer Comment (2025-09-18): Please see additional e-mail from Title stating that the signing and document coordination fee was only for the notary and no other combined services.<br>Reviewer Comment (2025-09-18): [Redacted] received email stating Title-signing and Document Coordination Fee is the notary fee. However, the fee name indicates more than notarial services were provided. Please provide attestation from settlement agent/title company explaining why fee was not named Title-Notary fee, which is a standard and typical fee name for a Notary fee, and to attest that total fee was for all notary fee and no mobile signing, signing coordination or document coordination services were provided within the $[Redacted] fee. While notary fees are excluded from finance charges and APR calculations, only the notary fee portion is excludable but document coordination, signing fees and mobile services are not and these would be included as finance charges. Commentary to Regulation Z 1026.4(e)(1) provides: 1. Notary fees. In order for a notary fee to be excluded under 1026.4(e)(1), all of the following conditions must be met: The document to be notarized is one used to perfect release, or continue a security instrument and the document is required by law to be notarized. iii. A notary is considered a public official under applicable law. If lender/notary can provide documentation identifying which portion of charge is for notarizing documents, we can exclude this portion from finance charges.<br>Buyer Comment (2025-09-17): Do Not Concur. Please see e-mail from title stating that this Title Signing fee was for the notary and should not be included in the pre-paid calculation for the finance charge.<br>Reviewer Comment (2025-09-12): [Redacted] received rebuttal that Title-signing fee was cured at closing. However, the $[Redacted] cured was for the [Redacted]% tolerance violation which included other fees besides the title-signing fee that increased and over the [Redacted]% tolerance (title-doc Prep, title-lender title ins, Recording Fee) This was a not inclusive of the title-signing fee. Cure is due to borrower for the total underdisclosure of $[Redacted]. Corrected CD, LOE to borrower, copy of cure refund for $[Redacted], proof of mailing and proof of reopening of rescission to all consumers.<br>Buyer Comment (2025-09-11): Do not Concur. The Title-signing fee is already cured at closing in the amount of $[Redacted] |  | XXXX |  | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620191 |  | 34366634 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted]. |  |  |  | Reviewer Comment (2025-09-23): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-09-23): Please see PCCD and Refund to the customer<br>Reviewer Comment (2025-09-19): CA 2025 Notary Fee per document is $[Redacted]. While a notary fee itself (for notarial action) paid to a third party may be excluded from finance charge under 1026.4(c)(7), a signing fee or charge for "mobile" notary to come to borrower to conduct signing is not excluded from finance charge. Only flat amount for notarizing documents as authorized by law is excludable. See commentary under 1026.4(e)-3 below:<br> 3. Notary fees. In order for a notary fee to be excluded under §1026.4(e)(1), all of the following conditions must be met:<br> i. The document to be notarized is one used to perfect, release, or continue a security interest.<br> ii. The document is required by law to be notarized.<br> iii. A notary is considered a public official under applicable law.<br> iv. The amount of the fee is set or authorized by law.<br>If the fee disclosed represents a notary and signing fee lumped together, the total would be considered a finance charge unless it can be demonstrated which portion was allocated for which service.<br>While notary fees (for notarial action) paid to a third party may be excluded from finance charge under 1026.4(c)(7) , a signing fee would not be considered excludable. If this fee represents a notary and signing fee lumped together, the total would be considered a finance charge. Please provide an explanation for the purpose of the entire amount of the loan doc signing fee.<br>Buyer Comment (2025-09-18): Please see additional e-mail from Title stating that the signing and document coordination fee was only for the notary and no other combined services.<br>Reviewer Comment (2025-09-18): [Redacted] received email stating Title-signing and Document Coordination Fee is the notary fee. However, the fee name indicates more than notarial services were provided. Please provide attestation from settlement agent/title company explaining why fee was not named Title-Notary fee, which is a standard and typical fee name for a Notary fee, and to attest that total fee was for all notary fee and no mobile signing, signing coordination or document coordination services were provided within the $[Redacted] fee. While notary fees are excluded from finance charges and APR calculations, only the notary fee portion is excludable but document coordination, signing fees and mobile services are not and these would be included as finance charges. Commentary to Regulation Z 1026.4(e)(1) provides: 1. Notary fees. In order for a notary fee to be excluded under 1026.4(e)(1), all of the following conditions must be met: The document to be notarized is one used to perfect release, or continue a security instrument and the document is required by law to be notarized. iii. A notary is considered a public official under applicable law. If lender/notary can provide documentation identifying which portion of charge is for notarizing documents, we can exclude this portion from finance charges.<br>Buyer Comment (2025-09-17): Do Not Concur. Please see e-mail from title stating that this Title Signing fee was for the notary and should not be included in the pre-paid calculation for the finance charge.<br>Reviewer Comment (2025-09-12): [Redacted] received rebuttal that Title-signing fee was cured at closing. However, the $[Redacted] cured was for the [Redacted]% tolerance violation which included other fees besides the title-signing fee that increased and over the [Redacted]% tolerance (title-doc Prep, title-lender title ins, Recording Fee) This was a not inclusive of the title-signing fee. Cure is due to borrower for the total underdisclosure of $[Redacted]. Corrected CD, LOE to borrower, copy of cure refund for $[Redacted], proof of mailing and proof of reopening of rescission to all consumers.<br>Buyer Comment (2025-09-11): Do not Concur. The Title-signing fee is already cured at closing in the amount of $[Redacted] |  | XXXX |  | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620191 |  | 34392146 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620200 |  | 34393809 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]. |  |  |  | Reviewer Comment (2025-09-23): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-09-23): Upon further review Please see PCCD and Refund to the customer<br>Reviewer Comment (2025-09-17): [Redacted] received additional information that fee entered in Section H because of credits by seller an borrower's portion. However, that the fee was in section H does not omit it from finance charge calculation. The service or purpose of the fee determines if a fee is a finance charge. A settlement agent fee is a finance charge and should have been included in the calculation. A corrected CD, LOE to borrower, copy of cure refund for $[Redacted] and proof of mailing is required to cure.<br>Buyer Comment (2025-09-16): Do Not Concur. The e-mail from the title company said that this fee was the escrow or settlement agent fee, In a mortgage transaction, the settlement agent fee (often referred to as the escrow fee) is typically considered a third-party fee and is generally not included in the finance charge calculation as a pre-paid fee. It is paid to a third party (the settlement agent or escrow company) for services related to the closing of the loan, and these services would be needed in a cash transaction also.<br>Reviewer Comment (2025-09-11): We would not rely solely on fee placement to determine if a fee should be included in the finance charge. It is the purpose of the fee that determines inclusion/exclusion. The response from the escrow officer in the email states this is the escrow fee and comment in the rebuttal states the fee purpose is for the closing of the real estate transaction. Escrow fees are included in the finance charge under §1026.4(a)(2).<br>Buyer Comment (2025-09-11): Do not concur. See attached email from title. This is a section H fee. This is a fee paid to the escrow company or agent for handling the closing of the real estate transaction. The escrow agent acts as a neutral third party to manage the transfer of funds and documents between buyer and seller. This is not a prepaid fee. AMC is including this fee in their calculations and should not be |  | XXXX |  | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620200 |  | 34393810 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $2,757,009.63 is under disclosed by $2,768.21 compared to the calculated Finance Charge of $2,759,777.84 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted]. |  |  |  | Reviewer Comment (2025-09-23): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-09-23): Upon further review Please see PCCD and Refund to the customer<br>Reviewer Comment (2025-09-17): [Redacted] received additional information that fee entered in Section H because of credits by seller an borrower's portion. However, that the fee was in section H does not omit it from finance charge calculation. The service or purpose of the fee determines if a fee is a finance charge. A settlement agent fee is a finance charge and should have been included in the calculation. A corrected CD, LOE to borrower, copy of cure refund for $[Redacted] and proof of mailing is required to cure.<br>Buyer Comment (2025-09-16): Do Not Concur. The e-mail from the title company said that this fee was the escrow or settlement agent fee, In a mortgage transaction, the settlement agent fee (often referred to as the escrow fee) is typically considered a third-party fee and is generally not included in the finance charge calculation as a pre-paid fee. It is paid to a third party (the settlement agent or escrow company) for services related to the closing of the loan, and these services would be needed in a cash transaction also.<br>Reviewer Comment (2025-09-11): We would not rely solely on fee placement to determine if a fee should be included in the finance charge. It is the purpose of the fee that determines inclusion/exclusion. The response from the escrow officer in the email states this is the escrow fee and comment in the rebuttal states the fee purpose is for the closing of the real estate transaction. Escrow fees are included in the finance charge under §1026.4(a)(2).<br>Buyer Comment (2025-09-11): Do not concur. See attached email from title. This is a section H fee. This is a fee paid to the escrow company or agent for handling the closing of the real estate transaction. The escrow agent acts as a neutral third party to manage the transfer of funds and documents between buyer and seller. This is not a prepaid fee. AMC is including this fee in their calculations and should not be |  | XXXX |  | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620200 |  | 34393817 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-12): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-09-11): Do not Concur. Valid CIC for initial loan lock occured [Redacted]. This is where premium pricing decreased to $[Redacted]. Loan discount points and premium pricing can float until the loan lock happens. CDv1 disclosed timely same day. Note: Third party contribution of $[Redacted] at closing. This is not part of premium pricing. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620200 |  | 34400435 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-10): Exception approved, with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620200 |  | 34400444 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-10): Exception approved, with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

## Exhibit 99.4

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 11/13/2025 10:54:51 AM** | **Run Date - 11/13/2025 10:54:51 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX |  | 3158619887 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| XXXX |  | 3158619946 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| XXXX |  | 3158620183 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| XXXX |  | 3158620188 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX |  | 3158620191 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620200 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |

---

## Exhibit 99.5

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.5**

---

| | | | | |
|:---|:---|:---|:---|:---|
| ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) |
| **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** |
| **Run Date - 11/13/2025 10:48:44 AM** | **Run Date - 11/13/2025 10:48:44 AM** | **Run Date - 11/13/2025 10:48:44 AM** | **Run Date - 11/13/2025 10:48:44 AM** | **Run Date - 11/13/2025 10:48:44 AM** |
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 0 | 6 | 0.00% | 6 |
| State | 0 | 6 | 0.00% | 6 |
| Zip | 0 | 6 | 0.00% | 6 |
| Note Date | 0 | 6 | 0.00% | 6 |
| Original Loan Amount | 0 | 6 | 0.00% | 6 |
| Amortization Term | 0 | 6 | 0.00% | 6 |
| Original Interest Rate | 0 | 6 | 0.00% | 6 |
| Borrower Qualifying FICO | 0 | 6 | 0.00% | 6 |
| Coborrower Qualifying FICO | 0 | 4 | 0.00% | 6 |
| Amortization Type | 0 | 6 | 0.00% | 6 |
| Representative FICO | 0 | 6 | 0.00% | 6 |
| Property Type | 0 | 6 | 0.00% | 6 |
| Interest Only | 0 | 6 | 0.00% | 6 |
| Lien Position | 0 | 6 | 0.00% | 6 |
| Occupancy | 0 | 6 | 0.00% | 6 |
| Purpose | 0 | 6 | 0.00% | 6 |
| Appraised Value | 0 | 6 | 0.00% | 6 |
| Contract Sales Price | 0 | 6 | 0.00% | 6 |
| Balloon Flag | 0 | 6 | 0.00% | 6 |
| Original CLTV | 0 | 6 | 0.00% | 6 |
| Original LTV | 0 | 6 | 0.00% | 6 |
| Origination Channel | 0 | 6 | 0.00% | 6 |
| Appraisal Effective Date | 0 | 6 | 0.00% | 6 |
| Investor: Qualifying Total Debt Ratio | 0 | 6 | 0.00% | 6 |
| Initial Rate Lock Date | 1 | 6 | 16.67% | 6 |
| **Total** | **1** | **148** | **0.68%** | **6** |

---

## Exhibit 99.6

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.6**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) |  |  |  |  |  |  |  |
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **Run Date - 11/13/2025 10:47:29 AM** | **Run Date - 11/13/2025 10:47:29 AM** | **Run Date - 11/13/2025 10:47:29 AM** |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX |  | 3158619946 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |

---

## Exhibit 99.7

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.7**

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

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

The loans in the Review carried origination dates of June 2025 to July 2025.

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

The Review was conducted on a total population of two (2) loans. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

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

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

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

---

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

---

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

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

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

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

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

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

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

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

**DU/LP/Turbo Review** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

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

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

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![](ex997001.jpg)

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL REVIEW RESULTS SUMMARY** 

There were two (2) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, all loans had an Overall loan grade of "A".

---

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

---

**COMPLIANCE RESULTS SUMMARY**

Of the two (2) loans reviewed, under the applicable NRSRO grading criteria, all loans had a Compliance Review "A" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the two (2) loans reviewed, under the applicable NRSRO grading criteria, all the loans had a Property Review "A" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**CREDIT REVIEW RESULTS SUMMARY**

Of the two (2) loans reviewed, under the applicable NRSRO grading criteria, all loans had a Credit Review "A" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two (2) mortgage loans reviewed, two (2) (100.00%) mortgage loans had a tape discrepancy across one (1) unique data field. The tape discrepancy was Initial Rate Lock Date (100.00%).

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**47** | &nbsp;&nbsp;**4.26%** | &nbsp;&nbsp;**2** |

---

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**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**TPR Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2225750.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2225750.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2225750.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2225750.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2225750.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2225750.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2225750.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2225750.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2225750.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2225750.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2225750.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2225750.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2225750.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2225750.00** | &nbsp;&nbsp;**100.00%** |

---

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

**EXCEPTION DETAIL** 

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

**N/A**

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## Exhibit 99.8

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.8**

---

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| ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 11/17/2025 7:02:52 PM** | **Run Date - 11/17/2025 7:02:52 PM** | **Run Date - 11/17/2025 7:02:52 PM** | **Run Date - 11/17/2025 7:02:52 PM** | **Run Date - 11/17/2025 7:02:52 PM** | **Run Date - 11/17/2025 7:02:52 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| XXXX |  | 3158619871 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620038 |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |

---

## Exhibit 99.9

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.9**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 11/17/2025 7:02:52 PM** | **Run Date - 11/17/2025 7:02:52 PM** | **Run Date - 11/17/2025 7:02:52 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **DBRS Final Exception Rating** | **Fitch Initial Exception Rating** | **Fitch Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **S&P Initial Exception Rating** | **S&P Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Overall<br> Initial Loan Grade** | **Overall<br> Final Loan Grade** | **Credit<br> Initial Loan Grade** | **Credit<br> Final Loan Grade** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX |  | 3158620038 |  | 34843280 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Evidence of primary appraisal provided to the borrower(s) within [Redacted] business days prior to consummation was not provided in the file. |  |  |  | Reviewer Comment (2025-11-04): appraisal acknowledgment form in file<br>Buyer Comment (2025-11-04): Please review Doc ID [Redacted] - Acknowledgment of Receipt of Appraisal Report originally provided in loan file delivery-please cancel exception | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | WA | Primary | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620038 |  | 34843281 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620038 |  | 34886399 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | File is missing tax verification document for REO located at [Redacted] |  |  |  | Reviewer Comment (2025-11-04): REO documentation received<br>Buyer Comment (2025-11-04): Please review REO tax verification attached, ,originally in loan file | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620038 |  | 34886415 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | File is missing tax and insurance verification document for REO located at [Redacted] |  |  |  | Reviewer Comment (2025-11-04): REO documentation reviewed<br>Buyer Comment (2025-11-04): Please review doc [Redacted] Mortgage Statement Insurance and Tax verification listed. please cancel exception document provided in file. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

## Exhibit 99.10

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 11/17/2025 7:02:52 PM** | **Run Date - 11/17/2025 7:02:52 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX |  | 3158619871 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| XXXX |  | 3158620038 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.660% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.660% |  |  |  |  |  |  |  |  | No | 3.00 | 3.70 |

---

## Exhibit 99.11

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.11**

---

| | | | | |
|:---|:---|:---|:---|:---|
| ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) |
| **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** |
| **Run Date - 11/17/2025 7:02:16 PM** | **Run Date - 11/17/2025 7:02:16 PM** | **Run Date - 11/17/2025 7:02:16 PM** | **Run Date - 11/17/2025 7:02:16 PM** | **Run Date - 11/17/2025 7:02:16 PM** |
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 0 | 2 | 0.00% | 2 |
| State | 0 | 2 | 0.00% | 2 |
| Zip | 0 | 2 | 0.00% | 2 |
| Note Date | 0 | 2 | 0.00% | 2 |
| Original Loan Amount | 0 | 2 | 0.00% | 2 |
| Amortization Term | 0 | 2 | 0.00% | 2 |
| Original Interest Rate | 0 | 2 | 0.00% | 2 |
| Borrower Qualifying FICO | 0 | 2 | 0.00% | 2 |
| Amortization Type | 0 | 2 | 0.00% | 2 |
| Representative FICO | 0 | 2 | 0.00% | 2 |
| Property Type | 0 | 2 | 0.00% | 2 |
| Lien Position | 0 | 2 | 0.00% | 2 |
| Occupancy | 0 | 2 | 0.00% | 2 |
| Purpose | 0 | 2 | 0.00% | 2 |
| Appraised Value | 0 | 2 | 0.00% | 2 |
| Contract Sales Price | 0 | 2 | 0.00% | 2 |
| Balloon Flag | 0 | 2 | 0.00% | 2 |
| Original CLTV | 0 | 2 | 0.00% | 2 |
| Original LTV | 0 | 2 | 0.00% | 2 |
| Origination Channel | 0 | 2 | 0.00% | 2 |
| Appraisal Effective Date | 0 | 2 | 0.00% | 2 |
| Investor: Qualifying Total Debt Ratio | 0 | 2 | 0.00% | 2 |
| Initial Rate Lock Date | 2 | 2 | 100.00% | 2 |
| Coborrower Qualifying FICO | 0 | 1 | 0.00% | 2 |
| **Total** | **2** | **47** | **4.26%** | **2** |

---

## Exhibit 99.12

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.12**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) |  |  |  |  |  |  |  |
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **Run Date - 11/17/2025 7:06:57 PM** | **Run Date - 11/17/2025 7:06:57 PM** | **Run Date - 11/17/2025 7:06:57 PM** |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX |  | 3158619871 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620038 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |

---

## Exhibit 99.13

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.13**

![](ex9913001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

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

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

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

The Review was conducted on a total population of two hundred seventy-eight (278) loans. Two hundred seventy-eight (278) loans were randomly selected by AMC from a population of five hundred eight (508) loans. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

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

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

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

---

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

---

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

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

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

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

1 \| P a g e

![](ex9913001.jpg)

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

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

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

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

**DU/LP/Turbo Review** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

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

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

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**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL REVIEW RESULTS SUMMARY**

There were two hundred seventy-eight (278) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, twenty-three (23) (8.27%) loans had an Overall loan grade of "B", six (6) (2.16%) loans had an Overall loan grade of "C", and one (1) (0.36%) loan had an Overall loan grade of "D".

The Fitch Ratings, Inc. ("Fitch"), and Moody's Investors Service, Inc. ("Moody's") Exception Level Grades are as follows:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Note | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;***Total Compliance Grade (D) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***10*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***23*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**34** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;D | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;D | &nbsp;&nbsp;***Total Credit Grade (D) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Credit Grade (C) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***17*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**22** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**56** |

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The DBRS, Inc. ("DBRS"), Kroll Bond Rating Agency, Inc. ("Kroll"), and S&P Global Ratings ("S&P") Exception Level Grades are as follows:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Note | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;***Total Compliance Grade (D) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***24*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**34** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;D | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;D | &nbsp;&nbsp;***Total Credit Grade (D) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Credit Grade (C) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***17*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**22** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**56** |

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**COMPLIANCE RESULTS SUMMARY**

Of the two hundred seventy-eight (278) loans reviewed, under the applicable NRSRO grading criteria, twenty (20) loans (7.19%) had a Compliance Review "B" grade, five (5) loans (1.80%) had a Compliance Review "C" grade, and one (1) loan (0.36%) had a Compliance Review "D" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;252 | &nbsp;&nbsp;90.65% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;7.19% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.80% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.36% |

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the two hundred seventy-eight (278) loans reviewed, under the applicable NRSRO grading criteria, all loans had a Property Review "A" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;278 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**CREDIT REVIEW RESULTS SUMMARY**

Of the two hundred seventy-eight (278) loans reviewed, under the applicable NRSRO grading criteria, two hundred sixty-one (261) mortgage loans (93.88%) of the total received an "A" Credit Review grade. Fourteen (14) mortgage loans (5.04%) of the total received a "B" Credit Review grades and were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets. Two (2) mortgage loans (0.72%) of the total received a "C" Credit Review Grade, and one (1) mortgage loan (0.36%) of the total received a "D" Credit Review Grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;261 | &nbsp;&nbsp;93.88% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;14 | &nbsp;&nbsp;5.04% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.72% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.36% |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred seventy-eight (278) mortgage loans reviewed, fifty-eight (58) (20.86%) mortgage loans had tape discrepancies across twelve (12) unique data fields. The most common tape discrepancies were Initial Rate Lock Date (15.11%), Contract Sales Price (2.16%), and City (1.44%).

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.72% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;4 | &nbsp;&nbsp;278 | &nbsp;&nbsp;1.44% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;187 | &nbsp;&nbsp;1.07% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;6 | &nbsp;&nbsp;278 | &nbsp;&nbsp;2.16% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;42 | &nbsp;&nbsp;278 | &nbsp;&nbsp;15.11% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.72% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.72% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.72% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;278 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**66** | &nbsp;&nbsp;**6582** | &nbsp;&nbsp;**1.00%** | &nbsp;&nbsp;**278** |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Originator Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Higher Priced QM (APOR) | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;$58000.00 | &nbsp;&nbsp;0.02% |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;277 | &nbsp;&nbsp;99.64% | &nbsp;&nbsp;$322664633.00 | &nbsp;&nbsp;99.98% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**278** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$322722633.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;278 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$322722633.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**278** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$322722633.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;278 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$322722633.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**278** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$322722633.00** | &nbsp;&nbsp;**100.00%** |

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![](ex9913001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;24 | &nbsp;&nbsp;8.63% | &nbsp;&nbsp;$24264505.00 | &nbsp;&nbsp;7.52% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;38 | &nbsp;&nbsp;13.67% | &nbsp;&nbsp;$41665647.00 | &nbsp;&nbsp;12.91% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;194 | &nbsp;&nbsp;69.78% | &nbsp;&nbsp;$228521614.00 | &nbsp;&nbsp;70.81% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;22 | &nbsp;&nbsp;7.91% | &nbsp;&nbsp;$28270867.00 | &nbsp;&nbsp;8.76% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**278** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$322722633.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.08% | &nbsp;&nbsp;$5897750.00 | &nbsp;&nbsp;1.83% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;275 | &nbsp;&nbsp;98.92% | &nbsp;&nbsp;$316824883.00 | &nbsp;&nbsp;98.17% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**278** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$322722633.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;151 | &nbsp;&nbsp;54.32% | &nbsp;&nbsp;$184802962.00 | &nbsp;&nbsp;57.26% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.16% | &nbsp;&nbsp;$5241250.00 | &nbsp;&nbsp;1.62% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;15 | &nbsp;&nbsp;5.40% | &nbsp;&nbsp;$11653976.00 | &nbsp;&nbsp;3.61% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.52% | &nbsp;&nbsp;$6069750.00 | &nbsp;&nbsp;1.88% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;94 | &nbsp;&nbsp;33.81% | &nbsp;&nbsp;$109925795.00 | &nbsp;&nbsp;34.06% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;$475000.00 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.72% | &nbsp;&nbsp;$2262300.00 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;$1012000.00 | &nbsp;&nbsp;0.31% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;$1279600.00 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**278** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$322722633.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;253 | &nbsp;&nbsp;91.01% | &nbsp;&nbsp;$291548773.00 | &nbsp;&nbsp;90.34% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;25 | &nbsp;&nbsp;8.99% | &nbsp;&nbsp;$31173860.00 | &nbsp;&nbsp;9.66% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**278** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$322722633.00** | &nbsp;&nbsp;**100.00%** |

---

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

15 \| P a g e

![](ex9913001.jpg)

**EXCEPTION DETAIL**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch, and Moody's Exceptions** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Missing Document: Note - Subject Lien not provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;D | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;TRID Initial Loan Estimate Timing Electronically Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Check Loan Designation Match - QM | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income/Asset Guideline Deficiency - QM Impact | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;General QM Provision Investor Guidelines Violation | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Negative Amortization | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;RESPA Disclosure - List of Homeownership Counseling Organizations Missing | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Document: Security Instrument - Subject Lien not provided | &nbsp;&nbsp;Credit &nbsp;&nbsp;D | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Document: Missing Final 1003 | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset documentation requirements not met. | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guideline Requirement: PITIA reserves months discrepancy. | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Document: Verification of Non-US Citizen Status not provided | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;2 |

---

16 \| P a g e

![](ex9913001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS, Kroll, and S&P Exceptions** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Missing Document: Note - Subject Lien not provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;D | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;TRID Initial Loan Estimate Timing Electronically Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income/Asset Guideline Deficiency - QM Impact | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;General QM Provision Investor Guidelines Violation | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Check Loan Designation Match - QM | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Negative Amortization | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;RESPA Disclosure - List of Homeownership Counseling Organizations Missing | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Document: Security Instrument - Subject Lien not provided | &nbsp;&nbsp;Credit &nbsp;&nbsp;D | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Document: Missing Final 1003 | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset documentation requirements not met. | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guideline Requirement: PITIA reserves months discrepancy. | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Document: Verification of Non-US Citizen Status not provided | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;2 |

---

17 \| P a g e

## Exhibit 99.14

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.14**

---

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| ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 11/18/2025 8:31:43 AM** | **Run Date - 11/18/2025 8:31:43 AM** | **Run Date - 11/18/2025 8:31:43 AM** | **Run Date - 11/18/2025 8:31:43 AM** | **Run Date - 11/18/2025 8:31:43 AM** | **Run Date - 11/18/2025 8:31:43 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| XXXX |  | 3158619865 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619867 |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619869 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619873 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619874 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619875 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619877 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619878 |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619880 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619881 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619882 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619885 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619888 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619889 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619890 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158619892 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619893 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619895 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619899 |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619900 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619901 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619903 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619905 |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619907 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619909 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619910 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619911 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619913 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619914 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619915 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619919 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619920 |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619921 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619924 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619925 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619926 |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619931 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619935 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619938 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619939 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158619941 |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619942 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619943 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619945 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619948 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619950 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619951 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619952 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619953 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619955 |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619956 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619957 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619958 |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619959 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619960 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158619961 |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619964 |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619970 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| XXXX |  | 3158619971 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619973 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619974 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619977 |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619979 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619980 |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619983 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619985 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619986 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619987 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619989 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| XXXX |  | 3158619990 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619991 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619992 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619993 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619995 |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619996 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619997 |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158619998 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620002 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620005 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620008 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620009 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620010 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620011 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620012 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620016 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620018 |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620019 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620021 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620022 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620024 |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620025 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620028 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620030 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620034 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620036 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620039 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620040 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620043 |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620046 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620049 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620051 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620052 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620053 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620054 |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620055 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620057 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620058 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620060 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620061 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620066 |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620067 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620071 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620076 |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620078 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620079 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620080 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620081 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620082 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620085 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620087 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620088 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620089 |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620090 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620091 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620095 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620097 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620099 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620100 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620101 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620103 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620107 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620109 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620110 |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620111 |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | C | C | C | C | C |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620113 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620114 |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620115 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620117 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620119 |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620120 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620124 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620125 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620126 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620127 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620128 |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620129 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620132 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620133 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620135 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620136 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620137 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620140 |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620141 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620143 |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620144 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620146 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| XXXX |  | 3158620150 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620151 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620153 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620154 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620165 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620166 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620167 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620168 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620169 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620172 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620174 |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620175 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620176 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620177 |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620179 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620180 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620181 |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620189 |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620194 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620196 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620198 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620199 |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620202 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620204 |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620205 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620206 |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620208 |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | D | D | D | D | D |  |
| XXXX |  | 3158620211 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620212 |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620213 |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620215 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620217 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620221 |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620222 |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620224 |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620225 |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620231 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620233 |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620234 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620236 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620239 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620240 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620243 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620246 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620247 |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620249 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620250 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620252 |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620255 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620256 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620257 |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620260 |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620261 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620266 |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620267 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620268 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620270 |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620272 |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620273 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620274 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620276 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620277 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620278 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620280 |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620282 |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620283 |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620289 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620291 |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620294 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620297 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620298 |  |  |  | B | B | B | B | B |  | B | C | B | C | B |  | A | A | A | A | A |  | B | C | B | C | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620300 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620301 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620302 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620309 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620310 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620312 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620313 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620315 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620318 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620322 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620323 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620329 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620330 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620333 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620334 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620336 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620338 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620339 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620344 |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620346 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620347 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620349 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620350 |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620354 |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620355 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620356 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620359 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620360 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620361 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620362 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| XXXX |  | 3158620363 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620364 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620365 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620366 |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620367 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620369 |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620370 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620371 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620372 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620375 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620376 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620378 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620379 |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620381 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620382 |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| XXXX |  | 3158620383 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620385 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620387 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXXX |  | 3158620388 |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| XXXX |  | 3158620389 |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXXX |  | 3158620216 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |

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## Exhibit 99.15

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.15**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 11/18/2025 8:31:44 AM** | **Run Date - 11/18/2025 8:31:44 AM** | **Run Date - 11/18/2025 8:31:44 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **DBRS Final Exception Rating** | **Fitch Initial Exception Rating** | **Fitch Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **S&P Initial Exception Rating** | **S&P Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Overall<br> Initial Loan Grade** | **Overall<br> Final Loan Grade** | **Credit<br> Initial Loan Grade** | **Credit<br> Final Loan Grade** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX |  | 3158619867 |  | 34843727 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Provide supplemental title report or final title policy showing coverage equal to the Note amount. |  |  |  | Reviewer Comment (2025-11-13): final title policy received<br>Buyer Comment (2025-11-13): Please see attached final title.<br>Reviewer Comment (2025-11-06): closing instructions are not sufficient to resolve this issue. need something from the title company. either a supplemental title report or final title policy showing sufficient coverage.<br>Buyer Comment (2025-11-06): Please review XXXX, section E of closing instructions. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | OH | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619874 |  | 34842968 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619878 |  | 34811906 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing Verification of Mortgage statement to verify PITI for [Redacted] If Taxes and insurance are escrowed, further documentation will be required to verify these amounts |  |  |  | Reviewer Comment (2025-10-29): REO documentation received<br>Buyer Comment (2025-10-29): Please review uploaded HOI, Tax and mortgage statement (system print out).[Redacted] property, Sched [Redacted] lists as commercial, self remtal. included the [Redacted] Note terms for commercial property, tax bill and insurance showing prop owned by [Redacted] | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Rate/Term |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619878 |  | 34811951 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The latest dated appraisal inspection date is [Redacted] There was a [Redacted] disaster dated [Redacted] . Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration |  |  |  | Reviewer Comment (2025-11-04): PDI dated [Redacted] showing no damage to the property has been received<br>Buyer Comment (2025-11-04): Please review uploaded PDI. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Rate/Term |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619878 |  | 34812083 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([Redacted]): Borrower waived right to receive a copy of the appraisal at least [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-10-29): appraisal acknowledgement form received<br>Buyer Comment (2025-10-29): Please review uploaded appraisal acknowledgement. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Rate/Term |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619878 |  | 34812084 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([Redacted]): Borrower waived right to receive a copy of the appraisal at least [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-10-29): appraisal acknowledgement form received<br>Buyer Comment (2025-10-29): Please review uploaded appraisal acknowledgement. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Rate/Term |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619878 |  | 34835366 |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  | Reviewer Comment (2025-10-29): documentation received showing no prepayment penalty<br>Buyer Comment (2025-10-29): Please review uploaded mortgage statement that indicates Prepayment Penalty No. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Rate/Term |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619881 |  | 34840663 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | The final Closing Disclosure indicates on page 1 that taxes were to be escrowed; however, there is no Initial Escrow Account Disclosure in file. |  |  |  | Reviewer Comment (2025-11-12): PCCD received and acceptable<br>Buyer Comment (2025-11-12): Please review uploaded PCCD reflecting NO for In Escrow for Property Taxes on page 1. IEADS is not required with no escrows collected. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NY | Primary | Purchase |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619881 |  | 34840665 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether property taxes are included in escrow. | Page 1 of the Final Closing Disclosure (CD) indicated property taxes would be escrowed; however, the remainder of the CD did not reflect that escrows were set up. |  |  |  | Reviewer Comment (2025-11-12): PCCD received and acceptable<br>Buyer Comment (2025-11-12): Please review uploaded PCCD reflecting NO for In Escrow for Property Taxes on page 1. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619885 |  | 34841683 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | IL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619890 |  | 34837080 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan contains Negative Amortization. | The question regarding negative amortization, on page [Redacted] of the [Redacted] Closing Disclosure, did not have any of the answer options selected. |  |  |  | Reviewer Comment (2025-11-07): [Redacted] received Letter of Explanation & Corrected CD<br>Buyer Comment (2025-11-06): Please review [Redacted] |  | XXXX |  | 2 | C | B | C | B | C | B | C | B | C | B |  | PA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619899 |  | 34813305 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-10-29): appraisal delivery cert in file<br>Buyer Comment (2025-10-29): Please review page [Redacted] in loan file | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | WA | Primary | Purchase |  | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619903 |  | 34842182 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided within [Redacted] Days of Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NV | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619905 |  | 34845078 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. | Pages 1 and 4 of the Closing Disclosure indicate escrows are collected, however, Section G on page 2 does not disclose any escrow collections. Additionally, the Initial Escrow Account Disclosure does not reflect escrow collections and disbursements. |  |  |  | Reviewer Comment (2025-11-14): PCCD with updated escrow information has been received<br>Buyer Comment (2025-11-14): Please review uploaded PCCD. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | ID | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619905 |  | 34845079 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether property taxes are included in escrow. | Pages 1 and 4 of the Closing Disclosure indicate escrows are collected, however, Section G on page 2 does not disclose any escrow collections. Additionally, the Initial Escrow Account Disclosure does not reflect escrow collections and disbursements. |  |  |  | Reviewer Comment (2025-11-14): PCCD with updated escrow information has been received<br>Buyer Comment (2025-11-14): Please review uploaded PCCD. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | ID | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619905 |  | 34916857 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - Occupancy: ___; Declarations/Will borrower occupy: ___ | Declaration A on both the initial and final 1003s is marked 'Yes', indicating borrower will occupy the property as a primary residence. |  |  |  | Reviewer Comment (2025-11-07): corrected 1003 and signed LOE received<br>Buyer Comment (2025-11-07): Please review uploaded LOE and corrected 1003. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | ID | Second Home | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619905 |  | 34916859 |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not Tested As Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. | Declaration A on both the initial and final 1003s is marked 'Yes', indicating borrower will occupy the property as a primary residence. The Rate Lock and LP documentation indicate this loan was approved as a second home. |  |  |  | Reviewer Comment (2025-11-07): corrected 1003 and signed LOE received<br>Buyer Comment (2025-11-07): Please review uploaded LOE and corrected 1003. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | ID | Second Home | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619905 |  | 34916860 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-11-05): Sufficient Cure Provided within 60 Days of Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | ID | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619919 |  | 34834919 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-28): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | IL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619920 |  | 34811200 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing a copy of the tax verification. |  |  |  | Reviewer Comment (2025-10-29): reo documentation received<br>Buyer Comment (2025-10-29): [Redacted] Tax Bill | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619920 |  | 34833978 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Borrower's Attorney. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Attorney's Fee changed to $[Redacted] on the CD dated [Redacted] A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-03): [Redacted] received Letter of explanation and Corrected Closing disclosure.<br>Buyer Comment (2025-10-31): Please see attached [Redacted] documentation.<br>Reviewer Comment (2025-10-31): [Redacted] received LOE, however we also require corrected [Redacted] moving the fee to sec [Redacted]<br>Buyer Comment (2025-10-30): Please review Lender's letter of explanation attached<br>Reviewer Comment (2025-10-30): [Redacted] received rebuttal. If fee was not required, it should be listed in section [Redacted] instead of section [Redacted] Corrected CD and LOE required to remediate.<br>Buyer Comment (2025-10-29): Do not concur. Fee was borrower chosen ([Redacted]) and would not be held to any tolerance. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619926 |  | 34840842 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The hazard insurance policy effective date [Redacted] is thd same as the disbursement date [Redacted]. |  |  |  | Reviewer Comment (2025-11-04): HOI effective as of the date of disbursement, which is acceptable<br>Buyer Comment (2025-11-04): Do not concur. HOI need only be in effect at disbursement. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WI | Second Home | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619931 |  | 34841905 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided within [Redacted] Days of Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619938 |  | 34844794 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | NO COC provided for Tolerance Cure. |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619939 |  | 34812964 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Survey Fee changed to $[Redacted] on the CD dated [Redacted] . A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-11): [Redacted] received Corrected [Redacted] , Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-11-07): Please review uploaded LOE, [Redacted] , copy of refund check and proof of mailing. |  | XXXX |  | 2 | C | B | C | B | C | B | C | B | C | B |  | MO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619941 |  | 34834586 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-10-30): evidence of appraisal delivery has been received<br>Buyer Comment (2025-10-30): Please review uploaded proof of appraisal delivery. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619948 |  | 34843164 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - XXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [Redacted] of [Redacted] on Final Closing Disclosure provided on [Redacted] are overdisclosed. | Documented HOA dues are $[Redacted] /mo which equates to only $[Redacted] over the [Redacted] year. |  |  |  | Reviewer Comment (2025-11-05): non escrowed property costs are acceptable with the below information for the special assessment<br>Buyer Comment (2025-11-05): Per [Redacted] and [Redacted] , condo dues are $[Redacted] + $[Redacted] other which is [Redacted] of $[Redacted] special assessment on [Redacted] (appraisal). | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619955 |  | 34843221 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | File is missing a VVOE for the co-borrower dated within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-11-04): VVOE within [Redacted] days of Note received<br>Buyer Comment (2025-11-04): Please review uploaded VOE. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619955 |  | 34886313 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of [Redacted] (APOR) Risk. | Waterfall finding due to missing VVOE for the co-borrower dated within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-11-04): VVOE within [Redacted] days of Note received<br>Buyer Comment (2025-11-04): Please review uploaded VOE. | XXXX |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619955 |  | 34886314 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOE for the co-borrower dated within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-11-04): VVOE within [Redacted] days of Note received<br>Buyer Comment (2025-11-04): Please review uploaded VOE. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619955 |  | 34886324 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing a VVOE for the co-borrower dated within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-11-04): VVOE within [Redacted] days of Note received<br>Buyer Comment (2025-11-04): Please review uploaded VOE. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619955 |  | 34886344 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing VVOE for the co-borrower dated within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-11-04): VVOE within [Redacted] days of Note received<br>Buyer Comment (2025-11-04): Please review uploaded VOE. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619956 |  | 34841708 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided within [Redacted] Days of Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619958 |  | 34840335 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-10-31): e-consent form received<br>Buyer Comment (2025-10-31): Please review uploaded e-consent. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619958 |  | 34841024 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-10-31): appraisal acknowledgement received<br>Buyer Comment (2025-10-31): Please review uploaded appraisal acknowledgement. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | IL | Primary | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619960 |  | 34841994 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page [Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. |  |  |  | Reviewer Comment (2025-11-03): File contains [Redacted] to borrower with corrected CD, copy of the cashiers check and evidence of delivery. Transaction was a purchase so no rescission involved. |  | XXXX |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619960 |  | 34843228 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided within [Redacted] Days of Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619961 |  | 34842341 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule ([Redacted]): List of Homeownership Counseling Organizations not provided to applicant within [Redacted] business days of application. | The file was missing proof the disclosure was provided to the borrower [Redacted] within 3 days of the application date. |  |  |  | Reviewer Comment (2025-11-04): evidence of disclosure delivery received<br>Buyer Comment (2025-11-04): Please review uploaded proof of List of Homeownership Counseling Organizations provided[Redacted] | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619961 |  | 34842374 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted] Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $XXXX on Final Closing Disclosure. Sufficient cure of $[Redacted] was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619964 |  | 34839922 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-10-30): appraisal acknowledgement received<br>Buyer Comment (2025-10-30): Please review uploaded appraisal acknowledgement. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | IN | Primary | Purchase |  | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619970 |  | 34847949 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. The earliest dated E-consent in file is dated [Redacted]. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Primary | Purchase |  | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619971 |  | 34842991 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [Redacted] on a [Redacted] lien purchase transaction did not disclose any Seller paid fees/charges on page [Redacted] | Seller CD is missing. Need to determine any seller paid fees on purchase transaction. |  |  |  | Reviewer Comment (2025-11-04): page [Redacted] of final CD shows a large seller credit, which can cover several fees<br>Buyer Comment (2025-11-04): Do Not Concur - Seller's Transaction side completed on page[Redacted] should be acceptable in lieu of seller CD | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619977 |  | 34842810 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-10-30): appraisal acknowledgement form received<br>Buyer Comment (2025-10-30): Do Not Concur - ack. in file | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NJ | Primary | Purchase |  | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619980 |  | 34842398 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-10-31): appraisal acknowledgement in file | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | PA | Primary | Purchase |  | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619980 |  | 34842402 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Loan Discount Points Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619980 |  | 34842403 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619987 |  | 34840356 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant[Redacted] business days prior to consummation. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-10-30): evidence of appraisal delivery received<br>Buyer Comment (2025-10-30): Do Not Concur - borrower received [Redacted] | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NC | Second Home | Purchase |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619987 |  | 34840357 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Incomplete Closing Disclosure(s) are included in analysis as document was provided to and signed by borrowers. Issue date is not disclosed on the document, [Redacted] . |  |  |  | Reviewer Comment (2025-10-30): final completed CD received, initial version in file was a poor quality copy and some items were difficult to read.<br>Buyer Comment (2025-10-30): Do Not Concur - please review completed copy provided | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Second Home | Purchase | Good Faith Redisclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619987 |  | 34843326 |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not Tested As Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of [Redacted] Home). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. | Declaration A in Section[Redacted] of the initial [Redacted] is marked 'Yes', indicating borrowers intend to occupy the subject property. Declarations were corrected on final [Redacted] . Occupancy Certificate indicates second home occupancy and borrowers provided explanation letter regarding [Redacted] home occupancy. |  |  |  | Reviewer Comment (2025-10-30): Occupancy cert, LOX and final [Redacted] are sufficient to resolve this issue | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Second Home | Purchase |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619989 |  | 34844890 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Pest Inspection fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619991 |  | 34843402 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | [Redacted] : Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | The Final Closing Disclosure was signed by the borrower's spouse [Redacted] resulting in a Right to Cancel expiration date of [Redacted] |  |  |  | Reviewer Comment (2025-11-05): correct [Redacted] with borrower initials and signature received<br>Buyer Comment (2025-11-05): Do No Concur - please review [Redacted] dated[Redacted] | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158619995 |  | 34851388 |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | The file is missing copy of signed Initial [Redacted] . |  |  |  | Reviewer Comment (2025-11-05): initial [Redacted] received<br>Buyer Comment (2025-11-05): Please review | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619997 |  | 34853610 |  |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-10-31): title commitment with supplemental pages received<br>Buyer Comment (2025-10-31): Do Not Concur - title policy in file with Supplement [Redacted] page updating/correcting address | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158619998 |  | 34844006 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | [Redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NH | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620016 |  | 34842672 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The [Redacted] in file had a risk score of [Redacted] , which does not meet securitization requirements. |  |  |  | Reviewer Comment (2025-11-04): updated [Redacted] from Fanie received, showing an acceptable score of [Redacted]<br>Buyer Comment (2025-11-04): Do Not Concur - appraisal acknowledgement in file<br>Buyer Comment (2025-11-04): DO Not Concur - located [Redacted] in file with risk score of [Redacted] | XXXX |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | NC | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620016 |  | 34842708 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-11-04): appraisal acknowledgement received | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NC | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620016 |  | 34842709 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Initial Escrow Payment that includes both borrower and non-borrower paid amounts |  |  |  | Reviewer Comment (2025-11-04): client accepts [Redacted] condition.<br>Buyer Comment (2025-11-04): accept [Redacted] |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620016 |  | 34842713 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether property taxes are included in escrow. | Page [Redacted] and [Redacted] of the final Closing Disclosure indicate taxes were being escrowed; however, an escrow account was not set up on page [Redacted] of the same document. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] received additional documentation and information clarifying the new construction property tax payments and due dates.<br>Buyer Comment (2025-11-04): DO Not Concur - please review [Redacted] in file | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620018 |  | 34842313 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from [Redacted] submitted with a loan originator designation of other than [Redacted] Exempt. [Redacted] testing performed to determine if an exempt loan would otherwise meet [Redacted] criteria if it were subject to the rule. TILA loan designation remains [Redacted] Exempt. | Loan exempt from [Redacted] submitted with a loan originator designation of other than [Redacted] Exempt. [Redacted] testing performed to determine if an exempt loan would otherwise meet [Redacted] criteria if it were subject to the rule. [Redacted] loan designation remains [Redacted] Exempt. |  |  |  | Reviewer Comment (2025-10-31): This loan was originated by a [Redacted] lender. [Redacted] testing performed to determine if an exempt loan would otherwise meet [Redacted] criteria if it were subject to the rule. [Redacted] loan designation remains [Redacted] Exempt. | XXXX |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| XXXX |  | 3158620018 |  | 34842315 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on [Redacted] /Final Closing Disclosure. | Initial escrow account statement does not match charges on [Redacted] /Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-11-03): [Redacted] and [Redacted] match<br>Buyer Comment (2025-11-03): Do Not Concur - please review again - Post CD in file at time of initial review, matches [Redacted] | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | AZ | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Exempt from ATR | Yes |
| XXXX |  | 3158620018 |  | 34864438 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-31): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Exempt from ATR | Yes |
| XXXX |  | 3158620022 |  | 34852173 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The [Redacted] in file had a risk score of [Redacted] , which does not meet securitization requirements. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] with a value supporting the appraised value has been received<br>Buyer Comment (2025-11-06): Please review [Redacted]<br>Reviewer Comment (2025-11-05): Comment and document received are not applicable to this condition or this loan.<br>Buyer Comment (2025-11-05): Do Not Concur - [Redacted] in file with [Redacted] expiration date | XXXX |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | MI | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620022 |  | 34852183 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-30): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | MI | Primary | Purchase | Final CD evidences Cure | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620024 |  | 34843136 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Evidence of primary appraisal provided to the borrower(s) within [Redacted] business days prior to consummation was not provided in the file. |  |  |  | Reviewer Comment (2025-11-04): appraisal acknowledgement received<br>Buyer Comment (2025-11-04): Do Not Concur - appraisal ack in file | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620025 |  | 34886717 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-03): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620043 |  | 34842629 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal provided to the borrower(s) within three (3) business days prior to consummation was not provided in the file. |  |  |  | Reviewer Comment (2025-11-17): proof of appraisal delivery received<br>Buyer Comment (2025-11-17): Please review uploaded proof of appraisal delivery. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CT | Primary | Refinance - Cash-out - Other |  | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620051 |  | 34841096 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | VA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620054 |  | 34842437 |  |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | The appraisal indicates the property type is [Redacted] , which is an ineligible property type. |  |  |  | Reviewer Comment (2025-11-03): property meets non-agency requirements for rural properties and is acceptable to the client.<br>Buyer Comment (2025-11-03): This property meets Rural Properties Non-Agency requirements. [Redacted] finances properties, that are residential in nature, whether the property is urban, suburban, or rural. If a property is rural and contains considerable land, it could actually be residential and used only for residential purposes (i.e. not a working farm, orchard or ranch). The [Redacted] zoning is acceptable for a residential property. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620066 |  | 34842198 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-11-04): final title policy received<br>Buyer Comment (2025-11-04): Please review uploaded title. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Rate/Term |  | B | A | B | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620066 |  | 34855999 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-10-31): e-delivery of appraisal received<br>Buyer Comment (2025-10-31): Do Not Concur - please review E-delivery | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Rate/Term |  | B | A | B | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620076 |  | 34845092 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant[Redacted] business days prior to consummation. | Evidence of primary appraisal provided to the borrower(s) within [Redacted] business days prior to consummation was not provided in the file. |  |  |  | Reviewer Comment (2025-11-07): appraisal acknowledgement received<br>Buyer Comment (2025-11-07): Do Not Concur - please review ack | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | AZ | Second Home | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620076 |  | 34921641 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing mortgage statement, tax verification and insurance verification for non-subject REO located at [Redacted] |  |  |  | Reviewer Comment (2025-11-07): REO documentation received<br>Buyer Comment (2025-11-07): [Redacted]<br>Buyer Comment (2025-11-07): Mortgage Statement | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Second Home | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620082 |  | 34843396 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from [Redacted] submitted with a loan originator designation of other than [Redacted] Exempt. [Redacted] testing performed to determine if an exempt loan would otherwise meet [Redacted] criteria if it were subject to the rule. TILA loan designation remains [Redacted] Exempt. | This loan was originated by a [Redacted] lender. [Redacted] testing performed to determine if an exempt loan would otherwise meet [Redacted] criteria if it were subject to the rule. [Redacted] loan designation remains [Redacted] Exempt. |  |  |  | Reviewer Comment (2025-11-04): This loan was originated by a [Redacted] lender. [Redacted] testing performed to determine if an exempt loan would otherwise meet [Redacted] criteria if it were subject to the rule. [Redacted] loan designation remains [Redacted] Exempt. | XXXX |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Purchase |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| XXXX |  | 3158620085 |  | 34842090 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620085 |  | 34842091 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620087 |  | 34842529 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | WI | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620089 |  | 34843138 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Neither evidence of delivery of updated appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-11-05): appraisal acknowledgement received<br>Buyer Comment (2025-11-05): see Appraisal receipt.<br>Reviewer Comment (2025-11-05): docs received show "[Redacted] ", but not evidence of appraisal delivery.<br>Buyer Comment (2025-11-05): See attached receipt of Appraisal. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | AZ | Second Home | Purchase |  | B | B | B | B | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620089 |  | 34843139 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant[Redacted] business days prior to consummation. | Neither evidence of delivery of preliminary appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-11-05): appraisal acknowledgement received<br>Buyer Comment (2025-11-05): Please see Appraisal receipt.<br>Reviewer Comment (2025-11-05): docs received show "[Redacted] ", but not evidence of appraisal delivery.<br>Buyer Comment (2025-11-05): See attached proof of receipt of Appraisal. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | AZ | Second Home | Purchase |  | B | B | B | B | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620089 |  | 34895487 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Escalation Form in file for lender exception of a property with a mandatory membership. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted] % and $[Redacted] . | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-04): [Redacted] Form in file, exception approved with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Second Home | Purchase |  | B | B | B | B | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620101 |  | 34865650 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closiing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-12): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-11-10): See attached LOE/CIC for increase in loan amount points. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620101 |  | 34934435 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | File is missing evidence appraisal was provided to borrowers at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2025-11-10): appraisal acknowledgement received<br>Buyer Comment (2025-11-10): See attached receipt of Appraisal. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620107 |  | 34852478 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from [Redacted] submitted with a loan originator designation of other than [Redacted] Exempt. [Redacted] testing performed to determine if an exempt loan would otherwise meet [Redacted] criteria if it were subject to the rule. TILA loan designation remains [Redacted] Exempt. |  |  |  |  | Reviewer Comment (2025-11-06): This loan was originated by a [Redacted] lender. [Redacted] testing performed to determine if an exempt loan would otherwise meet [Redacted] criteria if it were subject to the rule. [Redacted] loan designation remains [Redacted] Exempt. | XXXX |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Second Home | Purchase |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| XXXX |  | 3158620109 |  | 34859190 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Collateral Desktop Analysis fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-31): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620110 |  | 34859194 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-11-10): final title policy received | XXXX |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620110 |  | 34859204 |  |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title report did not include the title policy amount. |  |  |  | Reviewer Comment (2025-11-10): final title policy received<br>Buyer Comment (2025-11-10): See attached Title Policy reflecting coverage. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620111 |  | 34862414 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Estimated Values | Final Closing Disclosure used for fees provided on [Redacted] contains estimated values that may not represent final terms or closing costs to the borrower. Estimated Closing Disclosure used for any applicable Federal, State or Local compliance testing. If documented evidence is provided that estimate was for repair/construction costs or tax/insurance escrows ONLY (no holdback service fees or other estimated fees), then Estimated Closing Disclosure exception may be cleared. | Closing Disclosure reflects escrow holdback fee. Holdback is for completion of in-ground pool. |  |  |  | Reviewer Comment (2025-11-06): Holdback is for completion of in-ground pool. | XXXX |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | UT | Primary | Purchase |  | D | A | A | A | D | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620111 |  | 34927706 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to completion of in-ground pool. Final inspection not provided. |  |  |  | Reviewer Comment (2025-11-10): [Redacted] received<br>Buyer Comment (2025-11-10): Please review Completion [Redacted] attached | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | UT | Primary | Purchase |  | D | A | A | A | D | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620114 |  | 34926697 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. | Final Title is not yet in file to determine if T-42 and T-42.1 were obtained. |  |  |  | Reviewer Comment (2025-11-14): schedule A of title commitment confirms endorsements are included.<br>Buyer Comment (2025-11-14): Please review attached Title. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620114 |  | 34926698 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | [Redacted] Constitution Section 50(a)(6): Missing Revised Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  | Reviewer Comment (2025-11-14): disclosure received<br>Buyer Comment (2025-11-14): Please review attached Disclosure | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620114 |  | 34926699 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-06): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620114 |  | 34926700 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Per title commitment, new lender is prior originating lender. |  |  |  | Reviewer Comment (2025-11-14): title commitment confirms lender being paid off and original lender on title are one in the same. form used was correct.<br>Buyer Comment (2025-11-14): per CD Payoffs and Payments [Redacted] &[Redacted] was initial Lender the h-8 should have been used as they were the Lender Paid off in REFI closing on [Redacted]. The rescission period should not have to be re-opened, please clear exception form is valid. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620119 |  | 34852154 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The latest dated appraisal inspection date is [Redacted] . There was a [Redacted] disaster dated [Redacted] [Redacted]. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2025-11-07): [Redacted] received, showing no damage to the property<br>Buyer Comment (2025-11-07): Please review inspection attached | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620124 |  | 34843199 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided within [Redacted] Days of Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620124 |  | 34843244 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [Redacted] business days prior to closing. | Document was electronically signed by the borrowers [Redacted] which was not at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-11-05): timing is acceptable<br>Buyer Comment (2025-11-05): Please review initial [Redacted] timestamped EDT, ,Eastern Time Zone is [Redacted] [Redacted] , borrowers provided [Redacted] business days please cancel exception | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620124 |  | 34892188 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-11-05): appraisal acknowledgement received<br>Buyer Comment (2025-11-05): Please review Appraisal Acknowledgement attached | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620125 |  | 34864499 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-31): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620127 |  | 34865012 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-31): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620127 |  | 34865013 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-31): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620128 |  | 34851332 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing in the file. |  |  |  | Reviewer Comment (2025-11-07): e-consent acknowledgement form received<br>Buyer Comment (2025-11-07): Please review uploaded e-consent. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NE | Second Home | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620128 |  | 34851356 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-11-07): appraisal acknowledgement received<br>Buyer Comment (2025-11-07): Please review uploaded appraisal acknowledgement. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NE | Second Home | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620128 |  | 34851357 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closin |  |  |  | Reviewer Comment (2025-10-30): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NE | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620129 |  | 34843310 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [Redacted] business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the [Redacted] and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is [Redacted] which was after the date of the initial Loan Estimate provided electronically issued [Redacted] |  |  |  | Reviewer Comment (2025-11-05): earlier dated e-consent form received<br>Buyer Comment (2025-11-05): Please review Consent attached. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620137 |  | 34870515 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | The last revised LE issued [Redacted] was signed/dated by borrowers on [Redacted] which was not at least 4 business days prior to closing. |  |  |  | Reviewer Comment (2025-11-10): evidence of LE receipt on [Redacted] has been received<br>Buyer Comment (2025-11-10): Please review confirm receipt Loan Estimate [Redacted] , Disclosure Tracking Summary attached | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620137 |  | 34870516 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  | Reviewer Comment (2025-11-14): RTC received<br>Buyer Comment (2025-11-14): Please review Right to Cancel attached | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620140 |  | 34859896 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing Verification of Mortgage statement to verify PITI for [Redacted] If Taxes and insurance are escrowed, further documentation will be required to verify these amounts |  |  |  | Reviewer Comment (2025-11-07): mtg statement received<br>Buyer Comment (2025-11-07): Please review Mortgage Statement attached | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Second Home | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620140 |  | 34860107 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | The verification of employment is required and was not found in file. |  |  |  | Reviewer Comment (2025-11-10): VVOE received<br>Buyer Comment (2025-11-07): Please review VOE attached and for all other open waterfall exceptions | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Second Home | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620140 |  | 34860108 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Verification(s) of employment is not within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-11-10): VVOE received | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Second Home | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620140 |  | 34927018 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of [Redacted] (APOR) Risk. | Waterfall finding due to the missing VVOE for the borrower dated within [Redacted] business days of the Note, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-11-10): VVOE received | XXXX |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | WA | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620140 |  | 34927019 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing VVOE for the borrower dated within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-11-10): VVOE received | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Second Home | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620140 |  | 34927042 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing VVOE for the borrower dated within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-11-10): VVOE received | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Second Home | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620140 |  | 34927095 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to the missing VVOE for the borrower dated within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-11-10): VVOE received | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Second Home | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620143 |  | 34870465 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy premium coverage provided in the file in the amount of $[Redacted] is less than the Note amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-11-12): final title policy received<br>Buyer Comment (2025-11-12): Please review Title attached | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MN | Primary | Refinance - Cash-out - Other |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620146 |  | 34842815 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]. |  |  |  | Reviewer Comment (2025-11-06): There are two fees in section C. Title - CPL for $[Redacted], and Title - Ins Closing Letter for $[Redacted]. Please provide documentation of fee purpose for Title - Ins Closing Letter. Title - Messenger Fee has been reduced to $[Redacted], but Title - Wire Fee $[Redacted] has been added. Finance Charge is under disclosed in the amount of $[Redacted]. Cure requires PCCD, LOE, Copy of refund check and proof of mailing.<br>Buyer Comment (2025-11-05): Do not concur. [Redacted] has $[Redacted] as the Title-closing protection letter fee when the customer was only charged $[Redacted]. Also please verify what fees [Redacted] is including for the Title-messenger fees for $[Redacted] |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620146 |  | 34842816 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted]. |  |  |  | Reviewer Comment (2025-11-06): There are two fees in section C. Title - CPL for $[Redacted], and Title - Ins Closing Letter for $[Redacted]. Please provide documentation of fee purpose for Title - Ins Closing Letter. Title - Messenger Fee has been reduced to $[Redacted], but Title - Wire Fee $[Redacted] has been added. Finance Charge is under disclosed in the amount of $[Redacted]. Cure requires PCCD, LOE, Copy of refund check and proof of mailing.<br>Buyer Comment (2025-11-05): Do not concur. [Redacted] has $[Redacted] as the Title-closing protection letter fee when the customer was only charged $[Redacted]. Also please verify what fees [Redacted] is including for the Title-messenger fees for $[Redacted] |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620146 |  | 34842817 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee Total changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-11-06): Sufficient cure provided to closing<br>Buyer Comment (2025-11-05): Do not Concur. Ten percent tolerance violation was already cured at closing | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620146 |  | 34842818 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] received valid COC documents<br>Buyer Comment (2025-11-05): Do not Concur. Expiration change and pricing change occurred [Redacted] with valid CIC for loan points. Cdv3 disclosed timely same day with points at $[Redacted]. Points decreased at closing | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620146 |  | 34842819 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection $[Redacted] was added on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-11-06): [Redacted]received valid COC documents<br>Buyer Comment (2025-11-05): Do not Concur. [Redacted] received the appraisal/invoice [Redacted]. Valid CIC for final inspection required same day appraisal was reviewed. LEv4 disclosed timely | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620146 |  | 34918250 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided to closing |  |  |  | Reviewer Comment (2025-11-06): Sufficient Cure Provided At Closing |  | XXXX |  | 1 |  | A |  | A |  | A |  | A |  | A |  | IL | Primary | Purchase | Final CD evidences Cure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620151 |  | 34842640 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points $[Redacted] were added on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-10): [Redacted] received a valid [Redacted] .<br>Buyer Comment (2025-11-07): Do not Concur. Valid [Redacted] for change in lock and commitment, interest rate, and loan points [Redacted] disclosed timely [Redacted] day | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620151 |  | 34915152 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 |  | [Redacted] does not support value within [Redacted] %. A CDA or Field Review of the original report is required. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] received, with a valuation supporting the appraised value<br>Buyer Comment (2025-11-06): See attached CDA | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Primary | Purchase |  | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620153 |  | 34843080 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Application date is [Redacted] and disclosure was dated [Redacted]. |  |  |  | Reviewer Comment (2025-11-05): evidence of disclosure provided to borrower has been received<br>Buyer Comment (2025-11-05): Do not Concur. Homeownership Counseling document was sent in Application package | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NJ | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620153 |  | 34843148 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-13): [Redacted] received rebuttal comment and provided lock history suffice.<br>Buyer Comment (2025-11-12): Do not Concur. Loan points can float until the initial loan lock occurs. Loan points increased to $[Redacted] on [Redacted]. Loan WAS NOT locked. Loan points can float. Then initial loan lock occurred on [Redacted] and loan points decreased. No CIC required<br>Reviewer Comment (2025-11-11): [Redacted] received rebuttal comment that fee was not charged to borrower however, the discount points of $[Redacted] was charged at closing which is increased from $[Redacted] as disclosed on locked initial LE. Please provide valid COC for increase in points or cure is required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2025-11-07): Do not Concur. [Redacted] is requesting a CIC for an increase that the customer was not charged for. No CIC needed for [Redacted]<br>Reviewer Comment (2025-11-06): [Redacted] received COC dated [Redacted] whereas the fee increased on CD dated [Redacted] for $[Redacted]. Kindly provide a valid COC for the fee increase or cure due to borrower .Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-11-05): Do not Concur. Pricing and expriation changed [Redacted]. Loan points decreased with this expiration change. CDv10 discloed timely | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620153 |  | 34843150 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] receiveda valid COC.<br>Reviewer Comment (2025-11-06): [Redacted] received rebuttal. However, the Appraisal re-inspection added on CD dated [Redacted] for $[Redacted] the COC provided is not within three days of the Appraisal report dated [Redacted] (The timing is from when the appraisal was received by the lender to when the new fee was disclosed to the borrower. This timing should be three days or less.). We require evidence when did the lender became aware about requirement of Appraisal re-inspection or else provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-11-05): Do not Concur. Appraisal expired and update was required. Valid CIC [Redacted]. CDv1 discosed timely next day | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620153 |  | 34843151 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Review Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-11): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-11-07): Do not Concur. There is not a CD dated [Redacted]. Appraisal expired and update was required. Valid CIC [Redacted]. CDv9 discosed timely next day<br>Reviewer Comment (2025-11-06): [Redacted] received COC dated [Redacted] however the reason mentioned is not sufficient .Kindly provide a valid reason as to why the Appraisal review were added on CD dated [Redacted] for $[Redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,COpy of refund check and proof of mailing.<br>Buyer Comment (2025-11-05): Do not Concur. [Redacted] received the appraisal/invoice [Redacted]. Valid CIC same day and CDv2 disclosed timely [Redacted] | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620154 |  | 34842807 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Missing verification that the oil tank had been removed, as required by the appraiser.. |  |  |  | Reviewer Comment (2025-11-06): acceptable documentation showing oil tank removal has been received<br>Buyer Comment (2025-11-06): please refer to page [Redacted] of the file build for the receipt to evidence the oil tank has been removed | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase |  | C | A | A | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620165 |  | 34843693 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Final Lender Credit changed to $-[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-11-11): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-11-10): Do not Concur. Valid Cics for change in lock, commitment period, interest rate [Redacted]. CD 5 disclosed timely same day | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620165 |  | 34843694 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee Total changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-11-11): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-11-10): Do not Concur. Section E tolerance violation already cured at closing | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620165 |  | 34948709 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-11): Sufficient Cure Provided At Closing |  | XXXX |  | 1 |  | A |  | A |  | A |  | A |  | A |  | IL | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620165 |  | 34953700 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Project Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2025-11-11): Sufficient cure provided at closing. |  | XXXX |  | 2 |  | B |  | B |  | B |  | B |  | B |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620166 |  | 34843855 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-03): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-10-31): Do not Concur. [Redacted] received the appraisal which required a final inspection. Valid CIC occurred same day and CD disclosed timley [Redacted] | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620166 |  | 34843856 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-12): [Redacted] received rebuttal and valid COC<br>Buyer Comment (2025-11-10): Do not Concur. See attached CIC for [Redacted] with comments. Also Valid CICs and LOXs sent to [Redacted] for Purchase contract being received and transfer taxes being split for [Redacted]<br>Reviewer Comment (2025-11-03): [Redacted] received rebuttal comment, However, the transfer taxes increased per baseline from $[Redacted] to $[Redacted]. But there seems to be no valid COC in the loan file for the fee increase of $[Redacted] from $[Redacted] on [Redacted] LE and $[Redacted] from $[Redacted] on [Redacted] LE. Provide valid COC for the fee was increased in order to re-baseline this exception or refund cure of $[Redacted] required to borrower.<br>Buyer Comment (2025-10-31): Do not Concur. Valid CIC for receipt/upload of purchase contract [Redacted]. LEv7 disclosed timely same day. See attached LOX for transfer taxes decreasing at closing due to the seller/buyer are going in half. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620166 |  | 34843881 |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | The file was missing a copy of the Lender's Initial 1003. |  |  |  | Reviewer Comment (2025-10-31): initial application received<br>Buyer Comment (2025-10-31): Do not Concur. Please see attached initial app pck | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | AR | Primary | Purchase |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620166 |  | 34960083 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid COC for increase or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. |  |  |  | Reviewer Comment (2025-11-13): [Redacted] received COC dated [Redacted] and [Redacted] for lock extension.<br>Buyer Comment (2025-11-12): Do not Concur. Expiration change and valid CIC for loan points [Redacted] which increased loan points to $[Redacted]. LEv7 disclosed timely. Loan points decreased at closing. | XXXX |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | AR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620167 |  | 34843521 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $-[Redacted]on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-11-05): Do not Concur. Valid CICs for property type, appraised value, loan points, and loan amount occurred [Redacted]. LEv2 disclosed timely. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620168 |  | 34839734 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted] , which does not meet securitization requirements. |  |  |  | Reviewer Comment (2025-10-30): [Redacted] received, with a value supporting the appraisal value<br>Buyer Comment (2025-10-30): See attached [Redacted] | XXXX |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | IL | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620169 |  | 34841863 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Pest Inspection Fee changed to $[Redacted] on the CD dated [Redacted] . A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] Received LOE stating title ordered pest inspection.<br>Buyer Comment (2025-11-05): Do not Concur. Please see email chain from title. The Pest inspection was customer requested. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | DC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620169 |  | 34841864 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Survey Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] Received LOE stating title ordered survey.<br>Buyer Comment (2025-11-05): Do not Concur. Borrower chose to select their own attorney. Attached signed Attorney preference document. Also attached Attestation letter that explains [Redacted] will apply no tolerance on this fee when the customer shops for their own provider. No cure due back. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | DC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620172 |  | 34841802 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Final Inspection Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] Received Valid COC dated [Redacted]<br>Buyer Comment (2025-11-05): Do not Concur. [Redacted] received appraisal/invoice [Redacted] along with valid [Redacted] same day. [Redacted] inspection was required. [Redacted] disclosed timely | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620174 |  | 34844010 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted] . Insufficient or no cure was provided to the borrower. | The Final Lender Credit changed to $-[Redacted] on the Closing Disclosure dated [Redacted] . A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-11-07): [Redacted] received [Redacted] for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-11-06): Do not Concur. Valid CIC for initial loan lock [Redacted] disclosed premium pricing at $[Redacted] timely same day. Customer ended up receiving prem pricing after this which is in benefit of the customer. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620174 |  | 34844011 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The total Recording Fees changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-11-07): [Redacted] : Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on [Redacted] CD) resulting in a cleared exception.<br>Buyer Comment (2025-11-06): Do not Concur. Section [Redacted] increased with valid [Redacted] of [Redacted] added on [Redacted] . Baseline increased to $[Redacted] plus [Redacted] percent which is $[Redacted] . Then section [Redacted] increased again without a valid [Redacted] , but this tolerance violation of $[Redacted] is already cured at closing. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620174 |  | 34844012 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted] . A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-11-07): [Redacted] received [Redacted] for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-11-06): Do not Concur. Valid [Redacted] for change in lock, commtment period, interest rate, and loan points [Redacted] disclosed timely | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620174 |  | 34915531 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Processing fee changed to $[Redacted] on the Closing Disclosure dated [Redacted] A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-11-07): [Redacted] : Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on [Redacted] CD) resulting in a cleared exception.<br>Buyer Comment (2025-11-06): Do not Concur. Project processing fee $[Redacted] tolerance violation was arleady cured at closing | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620174 |  | 34915877 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | File is missing documentation to support borrower legal [Redacted] |  |  |  | Reviewer Comment (2025-11-06): residency documentation received and acceptable<br>Buyer Comment (2025-11-06): attached please find residency doc for [Redacted] the green card for [Redacted] is in your file build page [Redacted] | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NY | Primary | Purchase |  | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620174 |  | 34931409 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided At Closing |  | XXXX |  | 1 |  | A |  | A |  | A |  | A |  | A |  | NY | Primary | Purchase | Final CD evidences Cure | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620174 |  | 34931410 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided At Closing |  | XXXX |  | 1 |  | A |  | A |  | A |  | A |  | A |  | NY | Primary | Purchase | Final CD evidences Cure | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620175 |  | 34915426 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-05): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | MA | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620177 |  | 34835834 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-03): [Redacted] received [Redacted] for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-10-31): Do Not Concur. There was a valid CIC for l[Redacted]oan points on [Redacted] due to a pricing change / extension because we were waiting for the customer to finalize closing details, the loan discount points disclosed timely on [Redacted] | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620177 |  | 34841927 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted] of [Redacted] % significantly exceeds the guideline maximum of [Redacted] %. (DTI Exception requires compelling compensating factors to consider regrading to[Redacted] .) | Universal Escalation Form in file for lender exceptions of DTI Ratio. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted] .<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted] % and $[Redacted] . | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-30): Exception approved, with comp factors |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620177 |  | 34841928 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exceptions of DTI Ratio. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted] .<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted] % and $[Redacted] . | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-30): Exception approved, with comp factors |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620179 |  | 34841038 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax fee changed to $[Redacted] on the Closing Disclosure dated [Redacted] . A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] Received Valid [Redacted] dated [Redacted]<br>Buyer Comment (2025-11-05): Do not Concur. Valid CIC for loan amount [Redacted]. LEv2 disclosed timely same day | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620180 |  | 34842594 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted] . Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $-[Redacted] on the CD dated [Redacted] . A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-05): [Redacted] Received Valid COC dated [Redacted]<br>Buyer Comment (2025-11-04): Do not Concur. Valid [Redacted] for appraised value, loan points, and loan amount occurred [Redacted] disclosed timely | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620181 |  | 34841511 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted] of [Redacted] % moderately exceeds the guideline maximum of [Redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception of Standard DTI exception on a [Redacted] purchase. Departing residence being sold with proceeds being used for closing. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted] .<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted] % and $[Redacted] .<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-29): [Redacted] in file, exception approved with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620181 |  | 34841513 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted] . A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-03): [Redacted] received [Redacted] for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-10-31): Please see additional system snips showing that the lock was expiring and the [Redacted] worked to extend the lock through closing, which was the reason for the pricing change and discount point change.<br>Reviewer Comment (2025-10-31): [Redacted] received Changed Circumstance dated [Redacted] , but it does not give sufficient information on why the pricing change. In order to determine if the changed circumstance is valid more information is necessary on reason pricing change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br> "<br>Buyer Comment (2025-10-30): Do Not Concur. There was a pricing change [Redacted] on[Redacted] and [Redacted] disclosed timely with the new discount points fee. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620181 |  | 34841659 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Waterfall finding due to lender exception of DTI exceeding guidelines DTI maximum of 43%. | Borrower has verified disposable income of at least $[Redacted] .<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted] % and $[Redacted] .<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-29): [Redacted] in file, exception approved with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620189 |  | 34841762 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-11-03): final title policy received<br>Buyer Comment (2025-11-03): Please see attached Final Title reflecting correct loan amount. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CO | Primary | Purchase |  | D | A | B | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620189 |  | 34841777 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted] , which does not meet securitization requirements. |  |  |  | Reviewer Comment (2025-10-31): [Redacted] with acceptable [Redacted] and value received, supporting the appraisal value<br>Buyer Comment (2025-10-31): Please see attached [Redacted] . | XXXX |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | CO | Primary | Purchase |  | D | A | B | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620194 |  | 34813166 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. ([Redacted]) |  |  |  | Reviewer Comment (2025-10-28): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620196 |  | 34835306 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-28): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620198 |  | 34838491 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-10-31): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on [Redacted] CD) resulting in a cleared exception.<br>Buyer Comment (2025-10-30): Do not Concur. [Redacted] percent tolerance violation already cured at closing | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620198 |  | 34838492 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted] The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-10-31): [Redacted] Received Valid [Redacted] dated [Redacted]<br>Buyer Comment (2025-10-30): Do not Concur. Valid [Redacted] for initial loan lock [Redacted] disclosed timely same day | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620198 |  | 34858478 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-31): Sufficient Cure Provided At Closing |  | XXXX |  | 1 |  | A |  | A |  | A |  | A |  | A |  | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620199 |  | 34841823 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-11-03): updated title commitment received<br>Buyer Comment (2025-11-03): See attached title commitment with correct loan amount. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620202 |  | 34840380 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] . |  |  |  | Reviewer Comment (2025-11-06): [Redacted] received lender attestation on services provided on the Section[Redacted] not finance charge<br>Buyer Comment (2025-11-05): Do not Concur. [Redacted] is including the section [Redacted] Guarnaty agreement fee $[Redacted] in the calculations and should not be. See email from title attached. The fee is for [Redacted] ([Redacted]) acting as guarantor. It was a condition of coop approval and should not be included in the calculations. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620202 |  | 34840405 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] . |  |  |  | Reviewer Comment (2025-11-06): [Redacted] received lender attestation on services provided on the Section [Redacted] not finance charge | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620202 |  | 34840817 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted] . A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] received [Redacted] for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-11-05): Do not Concur. Valid [Redacted] for initial loan lock [Redacted] disclosed timely same day | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620204 |  | 34813111 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The loan amount changed after issuance of title commitment. The final title policy is not provided for review. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620204 |  | 34814499 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-28): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620205 |  | 34813922 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-28): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620206 |  | 34813358 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Final signed Closing Statement is missing for the sold property. |  |  |  | Reviewer Comment (2025-10-30): asset source not utilized, borrowers still qualify<br>Buyer Comment (2025-10-30): Loan is a refinance-proceeds from sale of home was not included in assets | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Rate/Term |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620206 |  | 34813784 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted] on the CD dated [Redacted] A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-05): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-11-04): Please see attached [Redacted] package<br>Reviewer Comment (2025-10-30): [Redacted] received rebuttal, however we require valid COC document with sufficient information for addition of appraisal update fee on LE dated [Redacted] and appraisal transfer letter to re-evaluate the exception.<br>Buyer Comment (2025-10-29): Do not Concur. Please see comments regarding the appraisal was being re-used from previous loan. Appraisal fee decreased from $[Redacted] to $[Redacted] . No cure due back |  | XXXX |  | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620206 |  | 34837956 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Final signed Closing Statement is missing for the sold property. |  |  |  | Reviewer Comment (2025-10-30): asset source not utilized, borrowers still qualify<br>Buyer Comment (2025-10-30): Loan is a refinance proceeds from sale of home not included in assets. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Rate/Term |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620206 |  | 34837974 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of [Redacted] (APOR) Risk. | Waterfall finding due to the missing final signed closing document for the sold property, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-10-30): asset source not utilized, borrowers still qualify | XXXX |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620206 |  | 34837975 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing final signed closing document for the sold property. |  |  |  | Reviewer Comment (2025-10-30): asset source not utilized, borrowers still qualify<br>Buyer Comment (2025-10-30): Loan is a refinance proceeds from sale of home not included in assets. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Rate/Term |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620206 |  | 34837988 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to the missing final signed closing document for the sold property. |  |  |  | Reviewer Comment (2025-10-30): asset source not utilized, borrowers still qualify | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Rate/Term |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620208 |  | 34845103 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Missing signed and dated final 1003. |  |  |  | Reviewer Comment (2025-11-14): client accepts EV3 condition<br>Buyer Comment (2025-11-14): We accept the exception. |  |  | XXXX | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Primary | Purchase |  | D | D | D | D | D | D | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620208 |  | 34845106 |  |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Missing signed copy of Note. |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | NY | Primary | Purchase |  | D | D | D | D | D | D | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620208 |  | 34845112 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Missing signed and notarized Co-Op Loan Security Agreement. |  |  |  | Reviewer Comment (2025-11-14): client accepts EV3 condition<br>Buyer Comment (2025-11-14): Exception accepted. |  |  | XXXX | 3 | D | D | D | D | D | D | D | D | D | D |  | NY | Primary | Purchase |  | D | D | D | D | D | D | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620208 |  | 34920692 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-06): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NY | Primary | Purchase | Final CD evidences Cure | D | D | D | D | D | D | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620211 |  | 34813332 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted] . A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-10-30): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on [Redacted] CD) resulting in a cleared exception.<br>Buyer Comment (2025-10-29): Do not Concur. [Redacted] percent tolerance violation already cured at closing | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620211 |  | 34813333 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the CD dated [Redacted] . A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-10-30): [Redacted] received a valid COC.<br>Buyer Comment (2025-10-29): Do not Concur. Valid CIC and complexity comments attached for [Redacted] disclosed timely next day | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620211 |  | 34849112 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-30): Sufficient Cure Provided At Closing |  | XXXX |  | 1 |  | A |  | A |  | A |  | A |  | A |  | MA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620212 |  | 34841457 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Reviewer Comment (2025-11-13): final title policy received<br>Buyer Comment (2025-11-13): Final Title Provided | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | IL | Primary | Refinance - Cash-out - Other |  | C | B | B | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX |  | 3158620212 |  | 34841754 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-10): [Redacted] received rebuttal comment and as per provided COC dated [Redacted].<br>Buyer Comment (2025-11-07): Do not Concur. [Redacted] is requesting for CICs for increases that the customer did not get charged for. No CICs required since the customer did not get charged those higher amounts being requested.<br>Reviewer Comment (2025-11-07): [Redacted] received COC dated [Redacted]. However, the fee increased on CD dated [Redacted] for $[Redacted] and also on CD dated [Redacted] for $[Redacted]. Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-11-05): Do not Concur. Valid CICs for interest rate,loan amount, and loan points [Redacted]. CDv1 disclosed timely [Redacted]. Points decreased at closing | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| XXXX |  | 3158620212 |  | 34852375 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exceptions of DTI Ratio. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. | Exception approved, with comp factors | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-30): Exception approved, with comp factors |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Refinance - Cash-out - Other |  | C | B | B | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX |  | 3158620212 |  | 34853809 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Escalation Form in file for lender exceptions of DTI Ratio. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. | Exception approved, with comp factors | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-30): Exception approved, with comp factors |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Refinance - Cash-out - Other |  | C | B | B | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX |  | 3158620213 |  | 34845006 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is Missing insurance verification for [Redacted] |  |  |  | Reviewer Comment (2025-11-03): property is bare land, HOI coverage not required.<br>Buyer Comment (2025-11-03): Property is just land that is free and clear only taxes are paid on the property | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620215 |  | 34841945 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620217 |  | 34842326 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Home Inspection $[Redacted] was added on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-05): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-11-04): Do not Concur. Appraisal received, valid CICs, and attached comments for required Home Inspections [Redacted]. CDv1 disclosed timely same day. Note: fee decreased at closing | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620217 |  | 34842327 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-07): [Redacted] received CD dated [Redacted]<br>Buyer Comment (2025-11-05): Do not Concur. [Redacted] receiving and reviewing the sales contract is acceptable CIC for knowing who is responsible for the transfer taxes. See page 3c (Vii) for transfer taxes going to be paid by the buyer<br>Reviewer Comment (2025-11-05): [Redacted] received LOX for rebuttal response. but it does not give sufficient information on what impacts and why the fee was increased. receipt and purchase contract received is not valid COC to re-baseline this exception. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-11-04): Do not Concur. Valid CIC for receiving sales contract [Redacted] that confirmed the buyer paying transfer taxes. LEv3 disclosed timely same day | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620217 |  | 34842343 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Total Recording fees changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-14): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-11-13): Please see PCCD and Refund to customer |  | XXXX |  | 2 | C | B | C | B | C | B | C | B | C | B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620221 |  | 34842831 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax fee changed to $[Redacted] on the Closing Disclosure dated [Redacted] . A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-07): [Redacted] received [Redacted] for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-11-06): Do not Concur. Valid [Redacted] for purchase price and loan amount [Redacted] disclosed timely same day | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620221 |  | 34843786 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted] of [Redacted] % moderately exceeds the guideline maximum of [Redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception of DTI exceeding the guideline maximum of [Redacted] %. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted] .<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted] % and $[Redacted] . | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-05): Exception approved, with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620221 |  | 34843800 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception of DTI exceeding the guideline maximum of [Redacted] %. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted] .<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted] % and $[Redacted] . | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-05): Exception approved, with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620222 |  | 34842151 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Waterfall finding due to Universal Product Exception Form in file for lender exception of DTI exceeding the guidelines maximum of [Redacted] %. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted] .<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted] % and $[Redacted] .<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-31): [Redacted] Form in file, exception approved with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620222 |  | 34842164 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted] of [Redacted] % significantly exceeds the guideline maximum of [Redacted] %. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted] .) | Universal Product Exception Form in file for lender exception of DTI exceeding the guidelines maximum of [Redacted] % the customer has [Redacted] - years job earnings. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted] .<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted] % and $[Redacted] .<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-31): [Redacted] Form in file, exception approved with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620224 |  | 34843418 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of Insurance Verification and tax verification of property - [Redacted] |  |  |  | Reviewer Comment (2025-11-06): information for REO property in file is acceptable<br>Buyer Comment (2025-11-06): Investment Owned - [Redacted] - No rental income<br> used in [Redacted] - "REO is included in the [Redacted] Payment excluded<br> from liabilities as part of the business income/loss." Business returns show taxes and insurance payments | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620224 |  | 34843477 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted] . Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $[Redacted] on the CD dated [Redacted] . A valid change of circumstance was not provided for reduced credit, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-10): [Redacted] received [Redacted] dated [Redacted]<br>Buyer Comment (2025-11-06): Do not Concur. Valid [Redacted] for initial loan lock [Redacted] disclosed same day | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620225 |  | 34843583 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee was disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-11-10): [Redacted] received COC dated [Redacted]<br>Buyer Comment (2025-11-07): Do not Concur. Valid [Redacted] for loan amount and appraised value [Redacted] disclosed timely | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620225 |  | 34894494 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Based on asset documentation in file, verified assets total $[Redacted] . With funds required to bring to closing of $[Redacted] , plus the Processing Fee of $[Redacted] POC, total funds to be verified is $[Redacted] . Additionally, guidelines require [Redacted] months of reserves for this loan ($[Redacted]), and there are only [Redacted] months of reserves verified ($[Redacted]). Shortage of funds is due to missing documentation verifying proceeds of sale of property supporting deposit of $[Redacted] to [Redacted] #[Redacted] on [Redacted] |  |  |  | Reviewer Comment (2025-11-05): sufficient assets in file<br>Buyer Comment (2025-11-05): Loan is a non agency cash out refi. The Only [Redacted] account being used is ending in [Redacted] Looking at your [Redacted] report you have verified the [Redacted] Account $[Redacted] YES [Redacted] Account. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620225 |  | 34894511 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 |  | [Redacted] does not support the value within [Redacted] %. A higher level secondary valuation is required (IE: CDA,, field review of appraisal or second full appraisal). |  |  |  | Reviewer Comment (2025-11-06): [Redacted] received with a value supporting the appraised value<br>Buyer Comment (2025-11-06): See attached CDA | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620225 |  | 34894518 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of [Redacted] (APOR) Risk. | Waterfall finding due to shortage of reserves, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-11-05): sufficient asset documentation in file | XXXX |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620225 |  | 34894519 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to shortage of reserves. |  |  |  | Reviewer Comment (2025-11-05): sufficient asset documentation in file | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620231 |  | 34842766 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted] . Insufficient or no cure was provided to the borrower. | The Lender Credit Fee changed to $-[Redacted] on the CD dated [Redacted] A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] Received Valid COC dated [Redacted]<br>Buyer Comment (2025-11-05): Do not Concur. Valid [Redacted] for initial loan lock [Redacted] which premium pricing was $[Redacted] The customer actually got an increase at closing. No Cure due back. [Redacted] disclosed timely same day | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620231 |  | 34842767 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Reinspection Fee changed to $[Redacted] on the CD dated [Redacted] . A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] Received Valid COC dated [Redacted]<br>Buyer Comment (2025-11-05): Do not concur. [Redacted] received appraisal/invoice [Redacted] Valid CIC for required inspection. [Redacted] disclosed timely | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620231 |  | 34842768 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax Fee changed to $[Redacted] on the LE dated [Redacted] . A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] Received Valid COC dated [Redacted]<br>Buyer Comment (2025-11-05): Do not Concur. [Redacted] received the sales contract [Redacted] and reviewed that the buyer will be responsible for the transfer taxes. Valid [Redacted] and [Redacted] disclosed timely | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620233 |  | 34843464 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest E-Consent provided in the file consented/viewed and completed by the borrowers is dated [Redacted] which was after the date of the initial Loan Estimate provided electronically issued [Redacted]. |  |  |  | Reviewer Comment (2025-11-12): evidence of initial LE sent via mail has been received<br>Buyer Comment (2025-11-12): Do Not Concur. Please see evidence that the LE package was sent via USPS Mail and was printed on [Redacted]. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620233 |  | 34892674 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception of DTI. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-04): Exception approved, with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620233 |  | 34892899 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | [Redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. |  |  |  |  | Reviewer Comment (2025-11-10): proof of delivery of disclosure received<br>Buyer Comment (2025-11-07): Do not Concur. See attached LOX reflecting the Texas form was sent within the application package and attached proof it was sent DocMagic on [Redacted] same day of the LOX | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620233 |  | 34893080 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception of DTI. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-04): Exception approved, with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620233 |  | 34894316 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception of Collateral issues due to ADU under construction which when complete will be larger than the main home is approved. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-04): Exception approved, with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620234 |  | 34840808 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Processing Fee changed to $[Redacted] on the CD dated [Redacted] . A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-10-31): Sufficient cure provided at closing. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620234 |  | 34840809 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Pest Inspection Fee changed to $[Redacted] on the CD dated [Redacted] A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-11-11): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-11-10): Please see [Redacted] and refund sent to the customer |  | XXXX |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620240 |  | 34841563 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax fee $[Redacted] was added on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-07): [Redacted] received [Redacted] dated [Redacted]<br>Buyer Comment (2025-11-05): Do not Concur. [Redacted] did not receive the sales contract until [Redacted] The Valid [Redacted] is within [Redacted] days of when the sales contract was received and reviewed. [Redacted] disclosed timely same day.<br>Reviewer Comment (2025-11-03): [Redacted] received system snip with [Redacted] for rebuttal response. However, purchase contract in the loan file completed on [Redacted] . But the fee was added on [Redacted] . This is outside of the required [Redacted] - day timeline for notification of borrower. Provide additional information with supporting documentation of timeline for review and to provide information supporting lender's knowledge of when they became aware of the fee or [Redacted] is due to borrower.<br>Buyer Comment (2025-10-30): Do not Concur. [Redacted] received the sales contract and valid [Redacted] [Redacted] we found out that the seller and buyer will be splitting the transfer taxes. [Redacted] disclosed timely same day | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620247 |  | 34844096 |  |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___ <br> State: ___ | The preliminary title report in file did not disclose the amount of title insurance coverage. |  |  |  | Reviewer Comment (2025-11-06): co-op title search in file and acceptable<br>Buyer Comment (2025-11-06): Do Not Agree, only a title Search is required for CO-OP located in File Build | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620250 |  | 34843129 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure was not signed/dated to evidence receipt and there is no other evidence of receipt in file. The presumed receipt date would not have been at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-11-10): [Redacted] received earliest receipt of initial CD dated [Redacted]<br>Buyer Comment (2025-11-07): Do not Concur. Initial CD sent via DocMagic [Redacted] | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620250 |  | 34843131 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620252 |  | 34843385 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-11-06): [Redacted]% replacement cost is indicated in file and acceptable<br>Buyer Comment (2025-11-06): Do Not Agee, RCC Template located in Master File Page 2423 DXXXX stating Verification of RCC and/or Wind Confirmation [Redacted]% replacement coverage | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Refinance - Rate/Term |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620252 |  | 34843495 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-11-17): $[Redacted] was provided as a cure at closing.<br>Buyer Comment (2025-11-14): Do Not Concur. Please see system snips, the overage in the recording fees was cured at closing.<br>Reviewer Comment (2025-11-14): [Redacted] received COC and system snips for change in fees but the recording fee generally does not affected by adding the REOs liabilities and loan amount. Recording fees are flat statutory charges based on: Document type (e.g., deed, deed of trust, assignment), Number of pages and Formatting compliance. To validate the reason, required more information about the changes that resulted/affected in increased recording fees or cure would be required.<br>Buyer Comment (2025-11-12): Do not Concur. CIC already sent for loan amount and New Reo added on [Redacted]. Attached notes that NewREOAdd that impacts the fees. The 10% fees did not increase over [Redacted]% tolerance. See those screen shots too<br>Reviewer Comment (2025-11-07): [Redacted] received system snip with additional information. but it does not give sufficient information for the Lender title insurance fee and recording fee increased and [Redacted] sales tax fee and document preparation fee added. In order to determine if the changed circumstance is valid more information is necessary on reason for the fees were increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-11-05): Do not Concur. Valid CICs for loan amount and New Reo added on [Redacted] and [Redacted]. CDv2 disclosed timely | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620255 |  | 34843722 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]. |  |  |  | Reviewer Comment (2025-11-11): Final CD reflects cure to borrower at closing for Project Processing fee of $[Redacted].<br>Buyer Comment (2025-11-10): Do not Concur. [Redacted] is including the $[Redacted] processing fee that was already cured at closing due to a TRID violation. Please update the calculations since this fee was already cured at closing | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620255 |  | 34843723 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted]. |  |  |  | Reviewer Comment (2025-11-11): Final CD reflects cure to borrower at closing for Project Processing fee of $[Redacted].<br>Buyer Comment (2025-11-10): Do not Concur. [Redacted] is including the $[Redacted] processing fee that was already cured at closing due to a TRID violation. Please update the calculations since this fee was already cured at closing | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620256 |  | 34842950 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-11-07): [Redacted] received a valid COC.<br>Buyer Comment (2025-11-05): Do not Concur. Valid [Redacted] with detailed comments attached. Appraiser was not able to gain access to the property on the [Redacted] trip and had to make a second trip. [Redacted] disclosed timely same day | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620256 |  | 34865135 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Project Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Project Processing Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-11-07): [Redacted] received a valid COC.<br>Buyer Comment (2025-11-05): Do not concur. Valid [Redacted] for product change [Redacted] which affects origination fees. [Redacted] disclosed timely same day | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620257 |  | 34842841 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([Redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Reviewer Comment (2025-10-30): evidence of disclosure e-delivery to borrower has been received<br>Buyer Comment (2025-10-30): Do not Concur. Home Loan Counseling notice was sent to the customer in the initial application package | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MI | Second Home | Purchase |  | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620260 |  | 34843718 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2025-11-13): [Redacted] received conversation log for change in loan program and appraisal waiver to appraisal.<br>Buyer Comment (2025-11-12): Please see additional comments from system snips regarding the condition of the property and PAG denial, product change requiring appraisal.<br>Reviewer Comment (2025-11-10): [Redacted] received LOX for rebuttal response. Please provide documentation of the reason for the increase in the appraisal fee What new information was received that required the increase in the fee and when was that information received or Cure would be due to borrower.<br>Buyer Comment (2025-11-10): Do Not Concur. There is a valid CIC for the product changing on [Redacted], the appraisal order went in on [Redacted], and the fee was disclosed timely on CD v3. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620260 |  | 34896648 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Escalation Form in file for lender exception of PAG decline (outstanding critical repairs/balcony). Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-05): Exception approved, with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620260 |  | 34899133 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | Revised Closing Disclosure was sent on [Redacted]. Default receipt date is [Redacted], which is less than 3 business days prior to Note date ([Redacted]). Evidence of receipt actual receipt date not found in loan images. |  |  |  | Reviewer Comment (2025-11-12): Lower APR used at closing and acceptable.<br>Buyer Comment (2025-11-12): Do Not Concur. The CD issued on [Redacted] with an APR of [Redacted]% and finance charge of $[Redacted] was received by mail on [Redacted] (customary 3 day mailing rule) and closing was on [Redacted], this would normally be an issue except that CDs 5 and 6 (version 6 was used at closing) have an APR of [Redacted]% and a finance charge $[Redacted] which is lower than prior CDs that were disclosed and received within three days of closing. These terms are much better for the customer, no increase occurred.<br>Reviewer Comment (2025-11-10): [Redacted] received rebuttal comment. However, please see Doc ID XXXX [Redacted] CD with APR [Redacted]% and Doc ID XXXX with APR [Redacted]% and Doc ID XXXX APR [Redacted]%. the change in APR over .[Redacted]% with the [Redacted] CD not being received by borrower at least 3 business days prior to closing. [Redacted] & [Redacted] CD does not reflect proof of receipt and with mailbox rule was received less than 3 business days from closing. Provide any missing proof of earlier receipt.<br>Buyer Comment (2025-11-10): Do Not Concur. The APR on CD v4 was [Redacted]% with a finance charge of $[Redacted] and on CD v5 the APR decreased to [Redacted]% with a finance charge that decreased as well of $[Redacted]. The terms are better for the customer in this case, a new waiting period is not needed for this decrease in APR percentage. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | TRID timing exception, no remediation available. | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620260 |  | 34908504 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Project Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Project Processing Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2025-11-10): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) Project processing fee increased resulting in a cleared exception.<br>Buyer Comment (2025-11-10): Do Not Concur. The $[Redacted] difference in the incorrect project processing fee amount of $[Redacted] which should have been $[Redacted] was cured at closing. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620260 |  | 34972219 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Project Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-13): Sufficient Cure Provided At Closing |  | XXXX |  | 1 |  | A |  | A |  | A |  | A |  | A |  | CA | Primary | Purchase | Final CD evidences Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620266 |  | 34843061 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title policy coverage amount of $[Redacted] is less than Note amount of $[Redacted] |  |  |  | Reviewer Comment (2025-11-06): short form final title policy received and acceptable<br>Buyer Comment (2025-11-06): [Redacted] Title Policy Provided | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | IL | Primary | Refinance - Cash-out - Other |  | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620266 |  | 34843320 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted] . A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-11): [Redacted] Received Valid COC dated [Redacted]<br>Buyer Comment (2025-11-10): Do Not Concur. On [Redacted] there was a product change and discount points were added in the amount of $[Redacted] , this was disclosed timely on [Redacted] The product changed again on [Redacted] and the discount points increased, they were disclosed timely on [Redacted] On [Redacted] the loan amount changed and discount points increased again, this was disclosed timely on[Redacted] | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620267 |  | 34843772 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted] . Insufficient or no cure was provided to the borrower. | The Final Lender Credit changed to $[Redacted] on the Closing Disclosure dated[Redacted] . A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-10): [Redacted] received [Redacted] for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-11-10): Do not Concur. The affordable credit decreased with the valid [Redacted] of Affordable credit, product, loan amount, interest rate [Redacted] . disclosed timely | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620267 |  | 34843823 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted] . A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-10): [Redacted] received [Redacted] for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-11-10): Do not Concur. Expiration change and valid [Redacted] for loan amount and loan points [Redacted] disclosed timely | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620268 |  | 34843827 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted] . Insufficient or no cure was provided to the borrower. | The Lender Credit changed to $-[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for reduction in credit, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-11): [Redacted] received COC dated [Redacted]<br>Buyer Comment (2025-11-10): Do not concur. Expiration change and valid [Redacted] for loan points [Redacted] disclosed timely [Redacted] day | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620270 |  | 34862058 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Mortgage statement and Tax Certificate for REO " [Redacted]" missing. |  |  |  | Reviewer Comment (2025-11-13): REO documentation has been received<br>Buyer Comment (2025-11-13): UW used the credit report payment and the taxes and ins attached to calculate the mtg pmt on this property.<br>Buyer Comment (2025-11-13): Attached is the ins for XXXX<br>Buyer Comment (2025-11-13): Attached is the tax cert for XXXX | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620270 |  | 34862086 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 missing. |  |  |  | Reviewer Comment (2025-11-12): Final 1003 in file<br>Buyer Comment (2025-11-12): Final Loan Application Imaged in Master File Pages 485-506/XXXX, as the loan was a hybrid closing. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620272 |  | 34843158 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Subject property tax certificate was not provided in the file. |  |  |  | Reviewer Comment (2025-11-06): tax cert documentation in file and acceptable<br>Buyer Comment (2025-11-06): Do No Agree, Tax Certificate imaged in in File Build Pg [Redacted] Parcel ID to property is [Redacted] | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620274 |  | 34886292 |  |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall finding related to Initial Loan Estimate was issued on [Redacted], which was more than three (3) business days after the application date of [Redacted]. |  |  |  | Reviewer Comment (2025-11-12): acceptable mailing of initial LE to borrower<br>Buyer Comment (2025-11-12): Do Not Concur. Please see evidence that the Waiver of Three- Day review of Appraisal disclosure was printed on [Redacted] and subsequently mailed to customer. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620274 |  | 34886302 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than three (3) business days after the application date of [Redacted]. |  |  |  | Reviewer Comment (2025-11-12): acceptable mailing of initial LE to borrower<br>Buyer Comment (2025-11-12): Do Not Concur. Please see evidence that the Loan Estimate was printed on [Redacted] and subsequently mailed to customer. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620274 |  | 34886303 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-13): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-11-12): Do Not Concur. Please see valid CICs for loan amount, initial lock, and discount point changes on [Redacted], the discount points disclosed on CD v1 at $[Redacted] and decrease by closing. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620277 |  | 34938606 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620278 |  | 34874849 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted] . Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $-[Redacted] on the CD dated [Redacted] . A valid change of circumstance was not provided for the reduced credit, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-11): [Redacted] received [Redacted] dated [Redacted]<br>Buyer Comment (2025-11-10): Do not concur. Valid [Redacted] for appraised value, property type, and loan points [Redacted] discloed timley | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620280 |  | 34886196 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file is missing copy of Hazard insurance document. |  |  |  | Reviewer Comment (2025-11-12): HOI screenshot in file and acceptable<br>Buyer Comment (2025-11-12): Hazard Insurance imaged in master file Pg. 3004/XXXX; as loan is a [Redacted] to [Redacted] refinance per procedures MSP screenshot is acceptable | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Refinance - Rate/Term |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620282 |  | 34937351 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the Appraisal Fee of $[Redacted] POC, total funds to be verified is $[Redacted]. Additionally, guidelines require [Redacted] months of reserves for this loan ($[Redacted]), and there are only [Redacted] months of reserves verified ($[Redacted]). Shortage is due to the following unsourced large deposits to [Redacted] #[Redacted]: $[Redacted] on [Redacted]; $[Redacted] on [Redacted]. |  |  |  | Reviewer Comment (2025-11-13): sufficient asset documentation is in file to meet reserve requirements<br>Buyer Comment (2025-11-13): In accordance with the "Asset Type" Guideline, article #[Redacted], under section "deposits requiring verification" the policy states that for refinance transactions, documentation or explanation is NOT required for large deposits. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Refinance - Rate/Term |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620282 |  | 34937376 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to shortage of reserves, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-11-13): sufficient asset documentation is in file to meet reserve requirements<br>Buyer Comment (2025-11-13): In accordance with the "Asset Type" Guideline, article #[Redacted], under section "deposits requiring verification" the policy states that for refinance transactions, documentation or explanation is NOT required for large deposits. | XXXX |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | VA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620282 |  | 34937377 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to shortage of reserves. |  |  |  | Reviewer Comment (2025-11-13): sufficient asset documentation is in file to meet reserve requirements<br>Buyer Comment (2025-11-13): In accordance with the "Asset Type" Guideline, article #[Redacted], under section "deposits requiring verification" the policy states that for refinance transactions, documentation or explanation is NOT required for large deposits. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Refinance - Rate/Term |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620282 |  | 34937415 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Reserve requirements not met due to the following unsourced large deposits to [Redacted] #[Redacted]: $[Redacted] on [Redacted]; $[Redacted] on [Redacted]. |  |  |  | Reviewer Comment (2025-11-13): sufficient asset documentation is in file to meet reserve requirements<br>Buyer Comment (2025-11-13): In accordance with the "Asset Type" Guideline, article #[Redacted], under section "deposits requiring verification" the policy states that for refinance transactions, documentation or explanation is NOT required for large deposits. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Refinance - Rate/Term |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620282 |  | 34937420 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to shortage of reserves. |  |  |  | Reviewer Comment (2025-11-13): sufficient asset documentation is in file to meet reserve requirements<br>Buyer Comment (2025-11-13): In accordance with the "Asset Type" Guideline, article #[Redacted], under section "deposits requiring verification" the policy states that for refinance transactions, documentation or explanation is NOT required for large deposits. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Refinance - Rate/Term |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620283 |  | 34871866 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The List of Homeownership Counseling Organizations disclosure dated [Redacted] was not provided to applicant within three (3) business days of application, which was [Redacted]. |  |  |  | Reviewer Comment (2025-11-12): evidence of disclosure delivery received<br>Buyer Comment (2025-11-12): Do not Concur. Homeownership Counseling was sent in the application package | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Refinance - Rate/Term |  | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620291 |  | 34865552 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Escalation Form in file to allow for one appraisal where loan amount requires two. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted] .<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-03): Exception approved, with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620291 |  | 34869959 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Discount Points were disclosed as $[Redacted] on LE issued on [Redacted] but disclosed as $[Redacted] on the final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-11-07): [Redacted] received [Redacted] for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-11-06): Please see valid [Redacted] for appraised value and loan points for the [Redacted] disclosure<br>Reviewer Comment (2025-11-06): [Redacted] received [Redacted] dated [Redacted] . However, the fee increased on [Redacted] dated [Redacted] for $[Redacted] . Kindly provide a valid [Redacted] for the fee increased on CD dated [Redacted] or [Redacted] due to borrower. Cure documents consist of Post [Redacted] ,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-11-04): Do not Concur. Valid [Redacted] for change in lock, interest rate, and loan points occurred[Redacted] disclosed timely next day | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620291 |  | 34882800 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted] of [Redacted] % moderately exceeds the guideline maximum of [Redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted] .<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-03): Exception approved, with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620291 |  | 34882802 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted] .<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-03): Exception approved, with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620298 |  | 34843764 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of [Redacted] (APOR) Risk. | Waterfall finding due to DTI exceeding guideline, resulting in a loan designation discrepancy. Exception approved with comp factors. |  |  |  | Reviewer Comment (2025-11-05): [Redacted] loan based on [Redacted] exception waived with compensating factors. | XXXX |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | CO | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620298 |  | 34843765 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted] of [Redacted] % significantly exceeds the guideline maximum of [Redacted] %. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted]) | Universal Escalation Form in file for lender exception of DTI exceeding guideline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted] .<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted] % and $[Redacted] . | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-05): Exception approved with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | CO | Primary | Purchase |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620298 |  | 34843789 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exception of DTI exceeding guideline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted] .<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted] % and $[Redacted] . | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-05): Exception approved with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | CO | Primary | Purchase |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620302 |  | 34880169 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits changed to $[Redacted] on the Closing Disclosure dated [Redacted]. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-11-12): [Redacted] received a valid COC.<br>Buyer Comment (2025-11-12): Do not Concur. Valid CICS for initial loan lock and loan points occurred [Redacted]. LEv3 disclosed timely | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620310 |  | 34863342 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit disclosed as -$[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for credit decrease and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-11-12): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-11-10): Do not Concur. Valid CICs for property type, appraised value, and loan points [Redacted]. LEv3 disclosed timely same day | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620310 |  | 34863535 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of actual receipt date of initial Closing Disclosure, issued on [Redacted], is not provided. Default receipt date is [Redacted], which is less than 3 business days prior to the closing date ([Redacted]). |  |  |  | Reviewer Comment (2025-11-10): e-delivery/receipt of initial CD has been received<br>Buyer Comment (2025-11-10): Do not Concur. Initial CD sent via DocMagic[Redacted] | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620310 |  | 34928461 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 |  | The AVM provided as a secondary valuation did not support the subject value within 10%. A CDA or Field Review of the original report is required. |  |  |  | Reviewer Comment (2025-11-17): CDA received with a value supporting the original appraised value | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Rate/Term |  | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620318 |  | 34887392 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 |  | The AVM obtained does not support the subject value within 10%. A CDA or Field Review of the original appraisal report is required. |  |  |  | Reviewer Comment (2025-11-17): CDA received with a value supporting the original appraised value | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620318 |  | 34887433 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - With Waiver) | [Redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing with waiver. | Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing with waiver. |  |  |  | Reviewer Comment (2025-11-12): signed disclosure received<br>Buyer Comment (2025-11-12): Do not Concur. See attached signed pursuant to section 50(a)(6) | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620318 |  | 34887434 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-13): [Redacted] received a valid COC.<br>Buyer Comment (2025-11-12): Do not Concur. Valid CICs for Appraised value and loan points [Redacted]. LEv3 disclosed timely | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620318 |  | 34887435 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | The latest dated Closing Disclosures in file are dated [Redacted]; however, none of them are signed/dated by the borrowers. The presumed receipt date of these is [Redacted] which results in an expected Right to Cancel expiration of [Redacted]. |  |  |  | Reviewer Comment (2025-11-12): signed CD received<br>Buyer Comment (2025-11-12): Do not Concur. CDv2 and 3 sent via DocMagic [Redacted]. Also attached signed CD | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620322 |  | 34887843 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |  |  |  | Reviewer Comment (2025-11-14): APR on final CD is lower and acceptable.<br>Buyer Comment (2025-11-14): Do not Concur. The CDv1 issued [Redacted] with an APR of [Redacted]% and finance charge $[Redacted] was received via [Redacted] [Redacted] and closing was on [Redacted]. The loan closed with an APR [Redacted] and finance charge $[Redacted] which is lower than the prior CD. These terms are much better for the customer, no increase occurred. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | TRID timing exception, no remediation available. | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620330 |  | 34886449 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-13): [Redacted] received valid COC document<br>Buyer Comment (2025-11-12): Do not Concur. Valid CICs for Appraised value and loan points [Redacted]. CDv2 disclosed timely | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620334 |  | 34874351 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Copy/Rush Fee of $[Redacted] was added on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-13): [Redacted] received appraisal rush order and as per COC.<br>Buyer Comment (2025-11-12): Please see attached LOE - the Rush order for CERTIFIED appraiser due to investor requirement. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620339 |  | 34871450 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | [Redacted] % tolerance was exceeded by $[Redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-11-03): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620344 |  | 34886284 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | The file is missing a copy of E-Sign Consent Agreement. |  |  |  | Reviewer Comment (2025-11-14): e-consent agreement received<br>Buyer Comment (2025-11-14): Please review uploaded e-consent agreements. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620344 |  | 34887829 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-11-12): appraisal acknowledgement received<br>Buyer Comment (2025-11-12): Please review page XXXX in Loan File. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | VA | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620344 |  | 34887830 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]. |  |  |  | Reviewer Comment (2025-11-14): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-11-14): Please review uploaded LOE, PCCD, copy of check and proof of mailing. |  | XXXX |  | 2 | C | B | C | B | C | B | C | B | C | B |  | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620344 |  | 34887831 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. |  |  |  | Reviewer Comment (2025-11-14): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-11-14): Please review uploaded LOE, PCCD, copy of check and proof of mailing. |  | XXXX |  | 2 | C | B | C | B | C | B | C | B | C | B |  | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620344 |  | 34944959 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Storage. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-11-10): Sufficient Cure Provided within 60 Days of Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | VA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620350 |  | 34892941 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Primary | Refinance - Cash-out - Other |  | B | B | B | B | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620350 |  | 34892955 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of secondary appraisal provided to the borrower(s) within three (3) business days prior to consummation was not provided in the file. |  |  |  | Reviewer Comment (2025-11-12): certificate of digital download of the appraisal has been received<br>Buyer Comment (2025-11-12): See attached receipt of Appraisal | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Refinance - Cash-out - Other |  | B | B | B | B | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620354 |  | 34871310 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | File is missing the e-sign consent agreement. |  |  |  | Reviewer Comment (2025-11-10): e-consent disclosure received<br>Buyer Comment (2025-11-10): Please review Consent attached | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620362 |  | 34880564 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-11-12): appraisal acknowledgement form received<br>Buyer Comment (2025-11-12): Please review Appraisal receipt attached | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | PA | Primary | Refinance - Rate/Term |  | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620362 |  | 34880567 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of the application date. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Rate/Term |  | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620362 |  | 34880568 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | PA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620362 |  | 34880586 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Tax Service Fee (Life Of Loan) Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-11-13): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-11-12): cure provided on Final CD Category J. $[Redacted] credit for increase in Closing Costs above legal limit, please clear exception | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | PA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620366 |  | 34861800 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Proof that the updated appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-11-10): proof of appraisal delivery received<br>Buyer Comment (2025-11-10): Please review proof of Appraisal attached | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | VA | Primary | Purchase |  | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620369 |  | 34880008 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $-[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-13): Upon further review lender credit correctly disclosed to consumer.<br>Buyer Comment (2025-11-12): Please review valid Change in circumstance form attached, Final CD Credit in Category J and Paid by Other column total $[Redacted]. please clear exception | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620369 |  | 34880029 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | File is missing a copy of Tax Verification for property - [Redacted] |  |  |  | Reviewer Comment (2025-11-12): REO tax information received<br>Buyer Comment (2025-11-12): Please see tax bill in Acuity under (XXXX). | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | SC | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620370 |  | 34863136 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-31): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620375 |  | 34874372 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal provided to the borrower(s) within three (3) business days prior to consummation was not provided in the file. |  |  |  | Reviewer Comment (2025-11-12): appraisal acknowledgement received<br>Buyer Comment (2025-11-12): Please review Appraisal receipt attached | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | IL | Primary | Purchase |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620375 |  | 34874373 |  |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | The loan file is missing a copy of the Certificate of Compliance or Exemption |  |  |  | Reviewer Comment (2025-11-12): Anti Predatory Lending Cert of compliance form received<br>Buyer Comment (2025-11-12): Please review IL Cert attached | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620376 |  | 34878184 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-03): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620378 |  | 34862398 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee Total changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-11-13): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-11-12): Do Not Concur. Please see the final signed CD, $[Redacted] was cured at closing for the recording fee overage. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620378 |  | 34862399 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-11-13): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-11-12): Do Not Concur. Please see CIC for appraisal exception and notes for why the appraisal was deemed to be complex and needed additional research which increased the fee. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620378 |  | 34971314 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-13): Sufficient Cure Provided At Closing |  | XXXX |  | 1 |  | A |  | A |  | A |  | A |  | A |  | AZ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620379 |  | 34843484 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-12): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-11-10): Do not Concur. Valid CICs for product change, interest rate, and loan points [Redacted]. LEv5 disclosed timely next day | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620379 |  | 34894700 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception of DTI exceeding guidelines maximum of [Redacted]%. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-04): Exception approved, with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620379 |  | 34894765 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception of DTI exceeding guidelines maximum of [Redacted]%. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-04): Exception approved, with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620382 |  | 34862165 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-11-12): appraisal acknowledgement form received<br>Buyer Comment (2025-11-12): Do Not Concur. Please see appraisal waiver signed by customer waiving the receipt of the appraisal three days prior to closing. | XXXX |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MI | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| XXXX |  | 3158620382 |  | 34862166 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-18): [Redacted] received COC dated [Redacted] for program change.<br>Buyer Comment (2025-11-14): Please see system snip of the reason for the product change CIC.<br>Reviewer Comment (2025-11-14): [Redacted] received Changed Circumstance dated [Redacted], stating product change. However, we would require detailed information about the product change and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-11-13): Do Not Concur. There was a valid CIC for product change on [Redacted], discount points increased to $[Redacted] and were disclosed timely on CD v2, the discount points reduced prior to closing. |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| XXXX |  | 3158620382 |  | 34862167 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-18): [Redacted] received COC dated [Redacted] for program change.<br>Buyer Comment (2025-11-14): Please see system snip of the reason for the product change CIC.<br>Reviewer Comment (2025-11-14): [Redacted] received Changed Circumstance dated [Redacted], stating product change. However, we would require detailed information about the product change and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-11-13): Do Not Concur. There was a valid CIC for product change pn [Redacted], an appraisal was required with this change and was disclosed timely on CD v2. |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| XXXX |  | 3158620382 |  | 34927826 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the borrower being short reserves, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-11-17): client agrees with finding and waterfall finding |  |  | XXXX | 3 | B | B | C | C | B | B | C | C | B | B |  | MI | Primary | Purchase | Lender to provide updated ATR/QM status | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| XXXX |  | 3158620382 |  | 34927827 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the borrower being short reserves. |  |  |  | Reviewer Comment (2025-11-17): client agrees with finding and waterfall finding |  |  | XXXX | 3 | C | C | C | C | C | C | C | C | C | C |  | MI | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| XXXX |  | 3158620382 |  | 34927838 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The only verified funds are business assets which cannot be used for reserves. |  |  |  | Reviewer Comment (2025-11-17): client agrees with finding and waterfall finding<br>Buyer Comment (2025-11-17): Agree with this citing , the loan was initially an agency transaction where business funds were acceptable for reserves, and when loan was flipped to non-agency due to the condo classification, the Underwriter missed the non-agency reserves requirement. |  |  | XXXX | 3 | C | C | C | C | C | C | C | C | C | C |  | MI | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| XXXX |  | 3158620382 |  | 34927839 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | The only verified funds are business assets which cannot be used for reserves. |  |  |  | Reviewer Comment (2025-11-17): client agrees with finding and waterfall finding<br>Buyer Comment (2025-11-17): agree |  |  | XXXX | 3 | C | C | C | C | C | C | C | C | C | C |  | MI | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| XXXX |  | 3158620382 |  | 34927856 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to the reserve shortage. |  |  |  | Reviewer Comment (2025-11-17): client agrees with finding and waterfall finding |  |  | XXXX | 3 | C | C | C | C | C | C | C | C | C | C |  | MI | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| XXXX |  | 3158620383 |  | 34843055 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $-[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-11-13): [Redacted] received rebuttal suffice<br>Buyer Comment (2025-11-12): Do Not Concur. Please clarify [Redacted] exception... The lender credit shown to the customer on LE v1 is $[Redacted] and the lender credit given to the customer at closing on the final closing disclosure is $[Redacted]. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620383 |  | 34843067 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Mansion Tax Fee in the amount of $[Redacted] was added on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-11-14): [Redacted] received valid COC<br>Buyer Comment (2025-11-13): Please see system snips showing when the sales contract was received.<br>Reviewer Comment (2025-11-13): [Redacted] received rebuttal and LOE, however we require supporting document to verify when the contract was received as contract is signed on [Redacted] and fee added on [Redacted] CD. Please provide proof when the contract was received to re-evaluate the exception.<br>Buyer Comment (2025-11-12): Do Not Concur. The sales contract was received on [Redacted], the taxes were received / updated on [Redacted], and the mansion tax of $[Redacted] for the buyers portion was disclosed timely on CD v2. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620383 |  | 34843075 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-11-13): Sufficient cure provided. Full cure amount for tolerance violation was provided in the form of principal reduction at closing (on final CD) resulting in a cleared exception."<br>Buyer Comment (2025-11-12): Do Not Concur. There is a $[Redacted] cure on the final closing disclosure for the overage in the recording fees charged to the customer. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620383 |  | 34985400 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-11-14): Sufficient Cure Provided At Closing |  | XXXX |  | 1 |  | A |  | A |  | A |  | A |  | A |  | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620388 |  | 34843485 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the Appraisal Fee of $[Redacted] POC, the Processing Fee ($[Redacted]) POC, plus the down payment/deposit of $[Redacted], total funds to be verified is $[Redacted]. Additionally, guidelines require 12 months of reserves for this loan ($[Redacted]), and there are only [Redacted] months of reserves verified ($[Redacted]). The Robinhood account ($[Redacted]) belongs to the non-borrowing spouse and has been excluded from use. |  |  |  | Reviewer Comment (2025-11-13): updated bank statement with supporting explanation documentation acceptable and loan now meets reserve requirements.<br>Buyer Comment (2025-11-13): Attached explanation on assets | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase |  | C | C | C | C | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620388 |  | 34843498 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to shortage of reserves, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-11-13): updated bank statement with supporting explanation documentation acceptable and loan now meets reserve requirements. | XXXX |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status | C | C | C | C | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620388 |  | 34843499 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to shortage of reserves. |  |  |  | Reviewer Comment (2025-11-13): updated bank statement with supporting explanation documentation acceptable and loan now meets reserve requirements. | XXXX |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase |  | C | C | C | C | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620388 |  | 34892547 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Borrower manually changed citizenship status on final 1003 to Permanent Resident Alien. No supporting documentation provided. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Primary | Purchase |  | C | C | C | C | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620388 |  | 34892554 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exception of DTI exceeding guideline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has verified disposable income of at least $[Redacted]<br>Borrower has worked in the same position for more than [Redacted] years. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-04): Exception approved, with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Purchase |  | C | C | C | C | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620388 |  | 34892576 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Escalation Form in file for lender exception of DTI exceeding guideline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has verified disposable income of at least $[Redacted]<br>Borrower has worked in the same position for more than [Redacted] years. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-04): Exception approved, with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Purchase |  | C | C | C | C | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620389 |  | 34842934 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-11-17): both checks now received, totaling $[Redacted] in cure amount<br>Buyer Comment (2025-11-14): .<br>Buyer Comment (2025-11-14): Please see PCCD and refund for $[Redacted] to correct the cure amount of $[Redacted] to $[Redacted], previous upload must not have captured both checks.<br>Reviewer Comment (2025-11-14): [Redacted] received Post CD, LOX, proof of mailing and Copy of refund check for $[Redacted]. Kindly copy of refund check for $[Redacted] in order to cure the exception.<br>Buyer Comment (2025-11-13): Please see PCCDs and Refunds to the customer |  | XXXX |  | 2 | C | B | C | B | C | B | C | B | C | B |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158620389 |  | 34865185 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Waterfall finding due to the DTI not meeting the guideline requirement of [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-31): Universal Product Exception Form in file, exception approved with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Purchase |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620389 |  | 34865214 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exceptions of Loan Amount. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-31): Universal Product Exception Form in file, exception approved with comp factors. |  |  | XXXX | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Purchase |  | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620216 |  | 34814109 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a [Redacted] valuation review product is required, which supports original appraised value. The [Redacted] in file had a risk score of [Redacted] , which does not meet securitization requirements. |  |  |  | Reviewer Comment (2025-10-31): [Redacted] with acceptable valuation and [Redacted] score, supporting the appraised value has been received<br>Buyer Comment (2025-10-31): Please see attached [Redacted] . | XXXX |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | KY | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158620216 |  | 34818139 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-28): Sufficient Cure Provided At Closing |  | XXXX |  | 1 | A | A | A | A | A | A | A | A | A | A |  | KY | Primary | Purchase | Final CD evidences Cure | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |

---

## Exhibit 99.16

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.16**

---

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| ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 11/18/2025 8:31:44 AM** | **Run Date - 11/18/2025 8:31:44 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX |  | 3158619865 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX |  | 3158619867 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 5.00 |
| XXXX |  | 3158619869 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 21.150% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX |  | 3158619873 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| XXXX |  | 3158619874 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.10 |
| XXXX |  | 3158619875 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX |  | 3158619877 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| XXXX |  | 3158619878 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.560% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.80 |
| XXXX |  | 3158619880 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX |  | 3158619881 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX |  | 3158619882 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| XXXX |  | 3158619885 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.70 |
| XXXX |  | 3158619888 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| XXXX |  | 3158619889 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX |  | 3158619890 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.70 |
| XXXX |  | 3158619892 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.80 |
| XXXX |  | 3158619893 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX |  | 3158619895 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.20 |
| XXXX |  | 3158619899 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.090% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.90 |
| XXXX |  | 3158619900 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| XXXX |  | 3158619901 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.50 |
| XXXX |  | 3158619903 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.40 |
| XXXX |  | 3158619905 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158619907 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX |  | 3158619909 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.80 |
| XXXX |  | 3158619910 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
| XXXX |  | 3158619911 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158619913 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
| XXXX |  | 3158619914 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 5.00 |
| XXXX |  | 3158619915 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 |
| XXXX |  | 3158619919 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.90 |
| XXXX |  | 3158619920 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| XXXX |  | 3158619921 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX |  | 3158619924 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.20 |
| XXXX |  | 3158619925 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| XXXX |  | 3158619926 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 |
| XXXX |  | 3158619931 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| XXXX |  | 3158619935 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX |  | 3158619938 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX |  | 3158619939 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.80 |
| XXXX |  | 3158619941 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX |  | 3158619942 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.30 |
| XXXX |  | 3158619943 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| XXXX |  | 3158619945 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.70 |
| XXXX |  | 3158619948 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX |  | 3158619950 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158619951 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| XXXX |  | 3158619952 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| XXXX |  | 3158619953 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.90 |
| XXXX |  | 3158619955 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.20 |
| XXXX |  | 3158619956 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
| XXXX |  | 3158619957 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX |  | 3158619958 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.90 |
| XXXX |  | 3158619959 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.00 |
| XXXX |  | 3158619960 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| XXXX |  | 3158619961 |  |  |  |  |  |  |  | 2.660% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.10 |
| XXXX |  | 3158619964 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.50 |
| XXXX |  | 3158619970 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX |  | 3158619971 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.40 |
| XXXX |  | 3158619973 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| XXXX |  | 3158619974 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| XXXX |  | 3158619977 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| XXXX |  | 3158619979 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| XXXX |  | 3158619980 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| XXXX |  | 3158619983 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| XXXX |  | 3158619985 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.60 |
| XXXX |  | 3158619986 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| XXXX |  | 3158619987 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| XXXX |  | 3158619989 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| XXXX |  | 3158619990 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| XXXX |  | 3158619991 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX |  | 3158619992 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.90 |
| XXXX |  | 3158619993 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| XXXX |  | 3158619995 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.20 |
| XXXX |  | 3158619996 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| XXXX |  | 3158619997 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX |  | 3158619998 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.90 |
| XXXX |  | 3158620002 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX |  | 3158620005 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.20 |
| XXXX |  | 3158620008 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX |  | 3158620009 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.30 |
| XXXX |  | 3158620010 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.80 |
| XXXX |  | 3158620011 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 |
| XXXX |  | 3158620012 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| XXXX |  | 3158620016 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX |  | 3158620018 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| XXXX |  | 3158620019 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| XXXX |  | 3158620021 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX |  | 3158620022 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.550% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.550% |  |  |  |  |  |  |  |  | No |  | 4.70 |
| XXXX |  | 3158620024 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620025 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.90 |
| XXXX |  | 3158620028 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| XXXX |  | 3158620030 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| XXXX |  | 3158620034 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.60 |
| XXXX |  | 3158620036 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| XXXX |  | 3158620039 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.300% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.00 |
| XXXX |  | 3158620040 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| XXXX |  | 3158620043 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX |  | 3158620046 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620049 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.70 |
| XXXX |  | 3158620051 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620052 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX |  | 3158620053 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620054 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.00 |
| XXXX |  | 3158620055 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620057 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620058 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.30 |
| XXXX |  | 3158620060 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| XXXX |  | 3158620061 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.20 |
| XXXX |  | 3158620066 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX |  | 3158620067 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| XXXX |  | 3158620071 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.90 |
| XXXX |  | 3158620076 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| XXXX |  | 3158620078 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX |  | 3158620079 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| XXXX |  | 3158620080 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620081 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
| XXXX |  | 3158620082 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.50 |
| XXXX |  | 3158620085 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 |
| XXXX |  | 3158620087 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX |  | 3158620088 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| XXXX |  | 3158620089 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.80 |
| XXXX |  | 3158620090 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| XXXX |  | 3158620091 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.70 |
| XXXX |  | 3158620095 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620097 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX |  | 3158620099 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| XXXX |  | 3158620100 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| XXXX |  | 3158620101 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| XXXX |  | 3158620103 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX |  | 3158620107 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.610% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.20 |
| XXXX |  | 3158620109 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.00 |
| XXXX |  | 3158620110 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620111 |  |  |  |  |  |  |  | -0.280% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.30 |
| XXXX |  | 3158620113 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX |  | 3158620114 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| XXXX |  | 3158620115 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.20 |
| XXXX |  | 3158620117 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX |  | 3158620119 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX |  | 3158620120 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX |  | 3158620124 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| XXXX |  | 3158620125 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.50 |
| XXXX |  | 3158620126 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.90 |
| XXXX |  | 3158620127 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| XXXX |  | 3158620128 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX |  | 3158620129 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| XXXX |  | 3158620132 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX |  | 3158620133 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.30 |
| XXXX |  | 3158620135 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.90 |
| XXXX |  | 3158620136 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| XXXX |  | 3158620137 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620140 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| XXXX |  | 3158620141 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620143 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.20 |
| XXXX |  | 3158620144 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX |  | 3158620146 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX |  | 3158620150 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.70 |
| XXXX |  | 3158620151 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.30 |
| XXXX |  | 3158620153 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 |
| XXXX |  | 3158620154 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| XXXX |  | 3158620165 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| XXXX |  | 3158620166 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| XXXX |  | 3158620167 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.60 |
| XXXX |  | 3158620168 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.650% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.650% |  |  |  |  |  |  |  |  | No | 3.50 | 2.80 |
| XXXX |  | 3158620169 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.30 |
| XXXX |  | 3158620172 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| XXXX |  | 3158620174 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| XXXX |  | 3158620175 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620176 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.640% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX |  | 3158620177 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX |  | 3158620179 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.00 |
| XXXX |  | 3158620180 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.40 |
| XXXX |  | 3158620181 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.30 |
| XXXX |  | 3158620189 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.620% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.620% |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| XXXX |  | 3158620194 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.30 |
| XXXX |  | 3158620196 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| XXXX |  | 3158620198 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| XXXX |  | 3158620199 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX |  | 3158620202 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.960% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.960% |  |  |  |  |  |  |  |  | No |  |  |
| XXXX |  | 3158620204 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX |  | 3158620205 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX |  | 3158620206 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX |  | 3158620208 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX |  | 3158620211 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.80 |
| XXXX |  | 3158620212 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620213 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| XXXX |  | 3158620215 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.030% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.030% |  |  |  |  |  |  |  |  | No | 3.00 | 3.10 |
| XXXX |  | 3158620217 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.90 |
| XXXX |  | 3158620221 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| XXXX |  | 3158620222 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX |  | 3158620224 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX |  | 3158620225 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 |
| XXXX |  | 3158620231 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX |  | 3158620233 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| XXXX |  | 3158620234 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| XXXX |  | 3158620236 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 999.00 |
| XXXX |  | 3158620239 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| XXXX |  | 3158620240 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| XXXX |  | 3158620243 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| XXXX |  | 3158620246 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| XXXX |  | 3158620247 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.860% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.860% |  |  |  |  |  |  |  |  | No |  |  |
| XXXX |  | 3158620249 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| XXXX |  | 3158620250 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| XXXX |  | 3158620252 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX |  | 3158620255 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| XXXX |  | 3158620256 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| XXXX |  | 3158620257 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.50 |
| XXXX |  | 3158620260 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620261 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.10 |
| XXXX |  | 3158620266 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| XXXX |  | 3158620267 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620268 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.80 |
| XXXX |  | 3158620270 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| XXXX |  | 3158620272 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| XXXX |  | 3158620273 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| XXXX |  | 3158620274 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.10 |
| XXXX |  | 3158620276 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.30 |
| XXXX |  | 3158620277 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| XXXX |  | 3158620278 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.40 |
| XXXX |  | 3158620280 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| XXXX |  | 3158620282 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.20 |
| XXXX |  | 3158620283 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.20 |
| XXXX |  | 3158620289 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.80 |
| XXXX |  | 3158620291 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.610% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.610% |  |  |  |  |  |  |  |  | No | 4.50 | 3.20 |
| XXXX |  | 3158620294 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| XXXX |  | 3158620297 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.40 |
| XXXX |  | 3158620298 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| XXXX |  | 3158620300 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 |
| XXXX |  | 3158620301 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX |  | 3158620302 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX |  | 3158620309 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 |
| XXXX |  | 3158620310 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| XXXX |  | 3158620312 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX |  | 3158620313 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.80 |
| XXXX |  | 3158620315 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.780% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.780% |  |  |  |  |  |  |  |  | No | 4.50 | 4.20 |
| XXXX |  | 3158620318 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.10 |
| XXXX |  | 3158620322 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.20 |
| XXXX |  | 3158620323 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| XXXX |  | 3158620329 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| XXXX |  | 3158620330 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| XXXX |  | 3158620333 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX |  | 3158620334 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 |
| XXXX |  | 3158620336 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.60 |
| XXXX |  | 3158620338 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX |  | 3158620339 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| XXXX |  | 3158620344 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| XXXX |  | 3158620346 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.80 |
| XXXX |  | 3158620347 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| XXXX |  | 3158620349 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 |
| XXXX |  | 3158620350 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.820% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX |  | 3158620354 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.00 |
| XXXX |  | 3158620355 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| XXXX |  | 3158620356 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| XXXX |  | 3158620359 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.040% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| XXXX |  | 3158620360 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| XXXX |  | 3158620361 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.10 |
| XXXX |  | 3158620362 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX |  | 3158620363 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX |  | 3158620364 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| XXXX |  | 3158620365 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| XXXX |  | 3158620366 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.80 |
| XXXX |  | 3158620367 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| XXXX |  | 3158620369 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| XXXX |  | 3158620370 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| XXXX |  | 3158620371 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 6.110% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.110% |  |  |  |  |  |  |  |  | No | 4.50 | 3.10 |
| XXXX |  | 3158620372 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX |  | 3158620375 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620376 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.20 |
| XXXX |  | 3158620378 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.710% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.710% |  |  |  |  |  |  |  |  | No | 3.50 | 3.40 |
| XXXX |  | 3158620379 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620381 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 999.00 |
| XXXX |  | 3158620382 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| XXXX |  | 3158620383 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX |  | 3158620385 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.20 |
| XXXX |  | 3158620387 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158620388 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX |  | 3158620389 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX |  | 3158620216 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.040% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.040% |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 |

---

## Exhibit 99.17

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.17**

---

| | | | | |
|:---|:---|:---|:---|:---|
| ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) |
| **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** |
| **Run Date - 11/17/2025 7:26:26 PM** | **Run Date - 11/17/2025 7:26:26 PM** | **Run Date - 11/17/2025 7:26:26 PM** | **Run Date - 11/17/2025 7:26:26 PM** | **Run Date - 11/17/2025 7:26:26 PM** |
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 4 | 278 | 1.44% | 278 |
| State | 0 | 278 | 0.00% | 278 |
| Zip | 0 | 278 | 0.00% | 278 |
| Note Date | 0 | 278 | 0.00% | 278 |
| Original Loan Amount | 0 | 278 | 0.00% | 278 |
| Amortization Term | 0 | 278 | 0.00% | 278 |
| Original Interest Rate | 0 | 278 | 0.00% | 278 |
| Borrower Qualifying FICO | 2 | 278 | 0.72% | 278 |
| Coborrower Qualifying FICO | 2 | 187 | 1.07% | 278 |
| Amortization Type | 0 | 278 | 0.00% | 278 |
| Representative FICO | 2 | 278 | 0.72% | 278 |
| Property Type | 2 | 278 | 0.72% | 278 |
| Lien Position | 0 | 278 | 0.00% | 278 |
| Occupancy | 0 | 278 | 0.00% | 278 |
| Purpose | 1 | 278 | 0.36% | 278 |
| Appraised Value | 0 | 278 | 0.00% | 278 |
| Contract Sales Price | 6 | 278 | 2.16% | 278 |
| Balloon Flag | 0 | 278 | 0.00% | 278 |
| Original CLTV | 1 | 278 | 0.36% | 278 |
| Original LTV | 1 | 278 | 0.36% | 278 |
| Origination Channel | 0 | 278 | 0.00% | 278 |
| Appraisal Effective Date | 1 | 278 | 0.36% | 278 |
| Investor: Qualifying Total Debt Ratio | 2 | 278 | 0.72% | 278 |
| Initial Rate Lock Date | 42 | 278 | 15.11% | 278 |
| Refi Purpose | 0 | 1 | 0.00% | 278 |
| **Total** | **66** | **6582** | **1.00%** | **278** |

---

## Exhibit 99.18

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.18**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](situsamclogo.jpg) | ![](situsamclogo.jpg) | ![](situsamclogo.jpg) |  |  |  |  |  |  |  |
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **Run Date - 11/17/2025 7:27:21 PM** | **Run Date - 11/17/2025 7:27:21 PM** | **Run Date - 11/17/2025 7:27:21 PM** |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX |  | 3158619867 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158619874 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158619878 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158619882 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158619885 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158619888 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158619893 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| XXXX |  | 3158619893 |  |  | Representative FICO | [Redacted] | [Redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX |  | 3158619901 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158619920 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158619926 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158619931 |  |  | Coborrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| XXXX |  | 3158619952 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158619953 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158619956 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158619961 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158619979 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158619985 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158619991 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158619992 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158619993 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| XXXX |  | 3158619993 |  |  | Coborrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| XXXX |  | 3158619993 |  |  | Representative FICO | [Redacted] | [Redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX |  | 3158619996 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI matches the 1008 in file. |
| XXXX |  | 3158620002 |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| XXXX |  | 3158620005 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620019 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620046 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620051 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX |  | 3158620055 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620080 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620082 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620085 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620085 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
| XXXX |  | 3158620097 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620150 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX |  | 3158620151 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620165 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX |  | 3158620165 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620172 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620174 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Rate lock document is missing |
| XXXX |  | 3158620199 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620208 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620215 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620217 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620249 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620260 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620280 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620291 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620298 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX |  | 3158620302 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX |  | 3158620315 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX |  | 3158620322 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX |  | 3158620329 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX |  | 3158620329 |  |  | Original CLTV | [Redacted] | [Redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX |  | 3158620329 |  |  | Original LTV | [Redacted] | [Redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX |  | 3158620359 |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| XXXX |  | 3158620361 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI matches AUS in file and 1008 |
| XXXX |  | 3158620365 |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| XXXX |  | 3158620367 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620369 |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| XXXX |  | 3158620372 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620376 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620385 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158620216 |  |  | Purpose | [Redacted] | [Redacted] | Verified | Final CD indicates the purpose is Purchase |
| XXXX |  | 3158620216 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |

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